Alas, even significant amounts rarely cause to give up the habit - harmful or not. But the spent money on it could bring you a lot more good than it seems.
Habits take up a decent amount. Many even try to count how much is spent on this or that change monthly. It is rarely motivated to give up a bad habit or shallow, meaningless purchase.
From the point of view of the economy, in this case it is necessary to apply different concept - not a "direct costs" and "lost profit». It would be reasonable to consider not how much was spent, and how much was a shortfall. Money donated by manufacturers of cigarettes or coffee shops, could be put into a bank account. But you never know what can be done little by investing right!
Here, for example, you like to drink coffee and eat cakes in one of the nearby cafes. Suppose that in a week, it takes about 850 rubles, or $ 14 at current exchange rates (and only a one cupcake and a cup of coffee before or after working hours). The year is about 728 dollars, or nearly 41 000 rubles.
But what if you invest money at interest? Within two years, the rejection of cake with coffee will bring about 1500 dollars. And what could be more money? Hugh Chow, the system administrator from the University of Washington, developed the "buns calculator" that allows you to see how much savings at low cost can bring over time.
Once I was on the interview Sharon Rosenberg, who confessed her love for cupcakes. $ 2.75 for three times a week. Then I realized that she eats the equivalent of a new Dell desktop with a monitor annually!
Of course, a muffin in the calculator means any expenditure on the habit. You only need to enter a one-time cost (Gourmet Muffin price), the amount of costs per week (Muffin eaten per week), select a time period in years and specify the interest rate at which will be invested money.
Cost calculator habits