How much do you spend on dinners at nice restaurants? Take a look at what’s in your grocery cart. How much of it is snack food or impulse buys that are both bad for you and a waste of money? If you still need a reason to quit smoking, the $5-plus per pack you are spending ought to finally get you to give up that habit. Is your home well insulated, or does money in the form of energy fly out the window? Do you turn out the lights when you leave a room? How much do you waste each year on late fees for credit cards or overdue videos? How necessary is each short trip you take in the car?

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