When you're invited over to your friend's house for Sunday afternoon football and you notice a brand new forty-two inch plasma television, the thought that immediately pops into your head might be, "Hey, I want one of those too." Most people would think it's cool to have something like this in the house. Perhaps not, because many consumers unconsciously sabotage their attempts to save for the future by indulging in what has become the essential goodies. You don't need any of these things. There's a good chance you are slowly frittering your money away on some or all of the luxuries listed below.

Dining out

Restaurant meals are nice, but if you're eating out frequently instead of cooking at home the expense will add up to a bundle in the long run. Consider that a starter will usually cost $5–10. Then there's the main course, which will be somewhere between $15–25. If you want drinks and dessert tack on another $10–20. Do you see where this is going? Don't forget the tip either, which is usually 15%.

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