[Lemony]

Put my choice down for "lazy." Most of our wasted money is spent on drive-thru coffee because neither of us felt like starting the pot, or take-out dinners because I didn't feel like cooking. Granted, we do our best to just suck it up and save, but when really lazy days hit it's a major blow to our pocketbook.

But... my opinions change when we're talking about smokers. In a smoker's case it's definitely the habit that will send them to the poor house. An average smoker may spend $120month! I'm so glad I quit last January (*pats self on the back*)