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  Bad habits can ruin any well thought out financial plans. Habits such as your morning coffee, buying lunch at work each day, and of course smoking and drinking, can drain your bank account. They are not as noticeable as someone backing a truck up and loading all your money in and driving away. However, the results are the same. A woman shared her story with me. Her bad habit was smoking cigarettes. She smoked less than a carton a week. Along with her husband's habit they used about two cartons a week. On occasion the decision had to be made whether to buy food or the cigarettes. Guess which one got bought. She made the choice to get a job outside her home, to make the food/cigarette decision go away. Now she could have both. Work began to take more and more of her time. She enjoyed the other stuff besides cigarettes the money would buy. A budget was never considered, she spent every dime she made. She had STUFF! It all came to a halt when her son began failing school. It became i