When evaluating your spending habits, it's important to consider the true cost of convenience. While certain conveniences may seem time-saving in the short term, they can often lead to overspending in the long run.

For example, daily takeout meals may seem convenient, but the cumulative cost over time can be significant. Similarly, using credit cards for small, impulse purchases can lead to high interest payments and debt accumulation.

References:

• "The High Cost of Convenience: How Your Spending Habits Impact Your Finances" - Financial Times, January 2020
• "Breaking Down the True Cost of Convenience" - Money Matters Magazine, March 2019