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10 Things You Should Stop Paying for in 2012

Here are 10 things to consider cutting from your budget in 2012 so your new year isn't filled with new debt.
We know, it's hard to resist those morning coffee shop runs, but even buying just one cup every day can make a dent in your wallet. A small coffee from my local Starbucks (12-oz.) costs $1.75, which equals $12.25 a week if you buy one cup a day or almost $25 if you buy two cups a day.
A cheaper alternative would be to brew your own. You can buy Folgers ground coffee at Wal-Mart for about $10, and that brews about 270 6-oz. cups (or 135 12-oz. cups). The expense of filters is minimal, too. For instance, you can buy a 200-pack of filters by Original Gourmet Food Co. Coffee Pro for about $2 at Wal-Mart. You've heard that it's "greener" to switch to energy-efficient light bulbs and that it could save you money on your electric bill in the long run, so if you haven't done so already, what are you waiting for? Although it will cost you a few more dollars up front, replacing just one traditional incandescent bulb with a bulb that qualifies for the government's Energy Star program will save $40 or more over the lifetime of the bulb, and changing five bulbs will save $200 or more over the lifetime of the bulb, according to the Energy Star website. Whether you're heading out to the gym or packing your lunch for work, it's easy to just throw a disposable water bottle in your bag for whenever you get thirsty. But those bottles can really add up, even if you buy them in bulk. To save money, skip the disposable bottles and buy a reusable Brita water bottle for $9.99, which will purify any tap water you add to it. You'll just need to change the filter every two months, which costs $7.99. That means your costs for the first two months are about $18, and after that you'll only be paying $7.99 every two months for as much water as you'd like to drink.
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