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Startling Fact: The normal full-time employee puts in about 225 days a year. That same normal full-time employee who buys a cup of java every morning will spend more than $300 a year on his or her caffeine fix (and that's not counting the $3.00 pastry that often accompanies the morning commute.)

Anyone who's tried saving money knows its not an easy task. Anyone who's tried to give up a bad habit experiences the same. However, cutting bad habits may not only improve ones well-being " it can improve cash flow as well. The costs of bad habits have been revealed.

Super-sizing your fast food (and your waistline) can lead to downsizing in earnings.

Is is Convenient? Yes. Is it Affordable? Yes. Is it generally not so great nutritionally? Yes! And is fast food more costly than brown bagging a few days a week or cooking a dinner at home? Double yes! Those value meals at iconic fast food joints may seem like a good bargain, yet in reality they're not good for your bod or your bank account.

An example would be if a person spends $3.50 for a meal once a week, it adds up to $14 a month, arriving at a year-end cost of $168 at year-end. $168 could buy 50 loaves of bread and 10 jars of peanut butter " enough for more than 400 PB&J sandwiches!

A Savings of Smoke and Mirrors

Smoking isn't just a health hazard " its a financial one as well. Full-time smokers spend more than one grand on tobacco products each year. That's a vacation! The average pack runs $4.70 and takes an even greater toll on ones health.

That Jolt of Joe can Jinx the Bank Account

Its coffee " not the fresh start to a new day " that often gets us up in the morning. Getting that coffee pot going at home has become somewhat of an afterthought in many households as coffee cafes can be found on almost any corner " and many come with a drive-through! While its always nice to start the day with a jolt of java " as stated in the beginning of this article " its also a jolt to the pocket. For those who prefer a pricier specialty drink - that $4 latte or tea, five times a week, turns into a frothy $20 by Friday. These daily habits can turn a total cost of nearly $1,000 a year!

The Sum Total

While the costs associated with people's bad habits are clear and accountable, the toll that they take on a person's health and well-being could raise the stakes even more. Excessive trips to fast food places and habitual smoking correlate directly with steeper health costs that can linger long-term. Health insurance companies take a persons health and habits into consideration and charge a higher premium to those whose habits are detrimental.

The pack a day smoker who downs a cup of specialty coffee each morning and makes a drive through run twice a week is looking at charges upwards of $3500 spent on supporting his or her vices. What might happen should Mr. or Ms. Vice use that same amount and place it in a CD account earning a 5% annually? 12 months later Mr. or Ms. Vice would have an extra $140 - and on the intangible side of things a healthier life both physically and financially.

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