We've run a few different studies and found that the number one purchase people say they regret, after bank fees, is eating out It's a frequent purchase we make almost every day, and it’s death by a thousand cuts. A coffee here, a burrito there. It adds up and decreases our ability to save. Back when I lived in New York City, I looked at my expenses and saw that I spent over 2,000 dollars on ride-sharing apps. It ‘was more than my New York City rent. I vowed to make a change. And the next month, I spent 2,000 dollars again — no change, because the information alone didn't change my behavior. I didn't change my environment. So now that I was 4,000 dollars in the hole, I did two things. The first is that I unlinked my credit card from my car-sharing apps. Instead, I linked a debit card that only had 300 dollars a 'month. If I needed more, I had to go through the whole process of adding a new card, and we know that every click, every barrier, changes our behavior. We aren't machines. We don't carry around an abacus every day, adding up what we're spending, in comparison to what we wanted. But what our brains are very good at is counting up the number of times we've done something. So I gave myself a limit. I can only use ride-sharing apps three times a week. It forced me to ration my travels. I got a handle on my car-sharing expenses to the benefit of my husband, because of the environmental changes that I did. So get a handle on whatever that purchase is for you, and change your environment to make it harder to do so.