We all know about the big-ticket expenses—rent, utilities, groceries. But what about the tiny, sneaky costs that quietly drain your wallet? Those small, seemingly insignificant purchases might be the reason you’re wondering, “Where did all my money go?” Here are some of the usual suspects to watch out for:

1. Coffee runs

Ah, the daily latte habit. It’s just $5, right? Multiply that by five days a week, and you’re looking at $25. Over a year? That’s $1,300! It’s not that your favorite barista’s latte art isn’t worth it, but making your own at home occasionally might save you enough for a weekend getaway.

2. Streaming subscriptions

Netflix, Hulu, Disney+, Spotify, Apple Music1… the list goes on. Each one feels affordable, but together, they’re a squad of silent budget ninja assassins. It’s easy to end up paying for subscriptions you don’t even use. 

Brigit tip: Do a subscription audit every few months to see what you can cancel.

3. Delivery fees and tips

Ordering takeout is a treat, but those delivery fees, service charges, and tips add up quickly. Before you know it, a $12 burger turns into a $25 indulgence. Consider picking up your order or cooking at home more often. Your wallet (and waistline) will thank you.

4. Impulse buys

You’re at the checkout line, and that $3 candy bar or $10 magazine catches your eye. It’s no big deal, right? Until you realize you’re spending an extra $20 a month on things you didn’t plan to buy. Keep your impulses in check by making a list and sticking to it.

5. Apps and in-game purchases

“It’s just 99 cents” is the anthem of app stores everywhere. Whether it’s unlocking a new feature, buying extra lives in a game, or avoiding ads, those microtransactions can snowball. Before you know it, your $1 app has cost you $50 in add-ons.

6. Bottled water

It’s convenient, but bottled water is a classic case of paying a premium for something you could get almost free. If you’re spending $2 a day on bottled water, that’s $730 a year. Invest in a good reusable bottle instead—it’s eco-friendly and budget-friendly.

7. Snacks

Convenience store snacks can be deceptively expensive. A $3 bag of chips here, a $2 energy drink there, and suddenly you’re spending $50 a month on munchies. Planning ahead and buying snacks in bulk can keep both your cravings and your spending in check.

1Brigit is not affiliated or partnered with any brands mentioned in the ad