Core Insights - The beginning of the year is an opportune time for individuals to reassess their finances and eliminate poor spending habits [1] - Small changes in spending can accumulate over time, leading to improved financial health [3] Spending Habits to Avoid - **Single-Use Plastics**: These items are not only harmful to the environment but also represent unnecessary expenses. Alternatives that are reusable can lead to savings [4] - **Bulk Packaged Food**: While bulk purchases may seem economical, they can lead to waste, especially for perishable items. This can negate any perceived savings [5] - **Greeting Cards**: Traditional cards can be costly, especially with rising postage rates. Electronic cards can serve as a cost-effective alternative [7][8] Financial Impact - Food waste is a significant issue, with nearly 38% of food in the U.S. wasted, resulting in a loss of $473 billion annually, equivalent to 145 billion meals [6]