But if you want to be successful, financial expert and former CNBC television host Suze Orman says, "Stop doing the thing that's wasting your money and makes your life easier, because in the long run it's going to make it harder."
Convenience traps are hard to avoid, but knowing their cost may motivate you to change. Here are six things you might want to reconsider spending money on.
Estimated annual savings: $1,200
If you go out to eat for lunch every workday and spend, on average, $10 per meal, that adds up quick. It comes out to $2,500 a year.
Making your own lunch, meanwhile, will cost you half that. One VISA survey found you only spend on average $6.30 when you bring something you prepared at home.
One blogger found that if he planned well, he could eat a healthy and fulfilling meal for closer to $4.
Estimated annual savings: $275
A survey from Money Matters reported that 41 percent of Americans admitted to spending more on coffee than their retirement. They dish out, on average, $1,100 a year on it.
Estimated annual savings: $750
Motherboard found that, on average, Americans spend 1.3 percent of their income on ride sharing. So, if you're bringing in $50,000, you're spending over $1,000 a year on a service you will almost never truly need.
There are apps that can show you what you've spent already. Work up some courage and, as CNBC Make It reporter Zameena Mejia did, assess the damage. Maybe it will motivate you to hop on the bus or grab your bike next time you have to get somewhere.
Don't have a bike? Stop springing for Ubers for a few months and you may be able to afford one.
Estimated annual savings: $180
It might become gradually harder to avoid this one as it becomes normal for your refrigerator to keep track of your groceries and order them automatically for you.
Until then, and while you still retain some element of control over your life, using services like Amazon Fresh will cost you. It adds $14.99 extra per month to your Prime membership.
If you plan to have your groceries delivered, Fresh Direct is even more costly. They charge $7 to $8 per trip. So making an order, say, once a week, can add up to around $400 a year.
Estimated annual savings: $50
Sometimes, when you're in a pinch and need cash immediately, fees are unavoidable. But if you aren't wary of them, as many people aren't, they will add up.
A Bankrate survey found that, on average, ATMs charge $2.90 for out-of-network customers to withdraw money on top of the $1.67 charge from the customer's bank for using an unaffiliated machine. You can end up paying $4.57 just to get your own cash.
One survey from Tufts University found Americans spend $2.1 billion in ATM transaction fees annually.
How often do you take out cash? Find an ATM associated with your bank near you and make a stop there part of your routine, or start getting cash back when you go to a convenience or grocery store.
Estimated annual savings: $450
I hate doing laundry, but I'm not going to spend at least $10 a week for a service that charges close to a dollar per pound.
Sure, if you don't have your own machine, it might cost you $3 a load to have to go and wait around at the laundromat, not to mention you'll actually have to fold your own clothes yourself. But even that $7 difference isn't small.
It's difficult to cut these things out, but pulling back on these costly little habits will make a significant difference. Start small and make your way to a healthier, more mindful financial lifestyle.
From splitting the check to DIY adventures, "Young Money" helps you navigate tricky financial situations.
Check out more in the series:
- A couples therapist says this is the best way to talk about money with your friends
- How I spent $1,230 on convenience in just two months
- 5 things you should never pay full price for
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