Looking to save up a few bucks? Sure, you could cancel Netflix for a few months and donate plasma for some extra cash, but we’ve got a better solution: Study your habits. You’re probably wasting quite a bit of money, and chances are good that you’re not aware of all of your unnecessary spending.

We decided to collect a few of the most common bad habits to see what they really cost. For instance, you probably don’t know how much you spend when…

1. Going Out to Eat

American consumers budget more money for restaurants than grocery stores, which makes sense, according to Eddie Yoon of Harvard Business Review—it’s easier than ever to avoid cooking, so many people avoid developing cooking skills.

Customer receiving drive-thru order from a McDonald’s in Bangkok, Thailand (2017)

If you’re looking for a reason to change your eating habits, do the math.

Let’s say you spend $10 per meal—a pretty paltry sum for a sit-down restaurant, but we’ll assume that you also hit up your favorite fast food chain on occasion.

That’s $3,650 per year, assuming that you eat out once per day.

But replace those meals with home-cooked meals at an average cost of around $3, and you’ll save over $2,500 per year.

By the way, you can easily cook meals for $2 per serving or less. Just make sure you’re using that food (see our next item).

2. Throwing Food Out Early

In short, we’re wasting a lot of food.

To learn just how much money you’re throwing in the trash with that loaf of bread—and, most importantly, how to avoid it—take a look at the video below:

Oh, and don’t assume that your food has spoiled simply because it’s past its expiration date. Many foods are perfectly fine for days or even weeks after the dates on their labels, especially when properly stored.

If you’re staying with us, you’ve already saved about $4,775. Let’s keep it rolling.

3. Setting Your Thermostat

Everyone loves a nice, warm house, but by redefining your perception of “warm,” you might be able to save some serious cash. According to the Department of Energy, you can save about 3 percent on your heating bill for each degree (Fahrenheit) you turn down your thermostat during the winter.

Of course, your results will vary depending on the size of your home, the quality of your insulation, and various other factors. Still, by changing your habits, you can save a lot of money while limiting your effect on the environment.

Try turning your thermostat down by about 10 degrees at night—you’ll be under the covers, anyway—and check your furnace vents to make sure that they aren’t blocked. If you won’t be using certain rooms, block them off during the winter. Investing in a Nest Learning Thermostat is another great way to save.

The average household spent about $2,092 on heating, according to Shrink That Footprint, so if you can turn down the thermostat by just 3 degrees, you’ll enjoy about $189 extra per year.

Assuming you’re also watching your food consumption, you’ve saved about $4,964 so far.

4. Doing The Laundry

When you do your laundry, you probably fill up the detergent cap, right? If so, you’re likely wasting detergent (and money).

For starters, if you have a high-efficiency washing machine, you’re using less water, and an excessive amount of soap won’t make anything cleaner—in fact, you’ll likely end up with a buildup, which can make your whites appear grey. Carefully read the instructions and try adding less detergent to each load.

The one exception: If you’ve got hard water, you’ll likely need the extra soap. Then again, you might not need any brand-name detergents, as white vinegar often works just as well. Simply use about half a cup per average-sized load, and you’ll cut detergent out of your budget.

Depending on what you’re washing, you can also probably skip the hot water. Cold water can wash most fabrics just as well, and you’ll save money on your gas or electric bill. While we’re at it, try air-drying your clothes, and you’ll save significantly more.

If you wash 400 loads per year, you spend about $608. According to financial blog Money Crashers, implementing these changes could bring that down to $140 per year—a savings of $468.

If you’re following all of our tips, your total savings just climbed to $5,432 per year.

5. Buying Certain Cosmetics

The average American woman spends about $8 per day on cosmetics. Yes, that’s a ton of money—but you don’t need to sacrifice your #flawless appearance in the name of your budget. Instead, simply change where you shop.

“You may find yourself turning up your nose at the idea of getting beauty products at the dollar store, but you would be missing a great opportunity to save yourself some money,” says Sarah Hollenbeck, personal finance expert from Offers.com. “Many name-brand companies such as E.L.F and NYX can be found in the shelves of your local dollar store for much less than what you would pay for the exact same products anywhere else.”

You would be missing a great opportunity to save yourself some money.

You should also avoid splurging on pseudoscientific products that claim to eliminate wrinkles or “restore a youthful glow.” Many of those products don’t do much of anything.

Talk to your dermatologist and do some research before investing your hard-earned cash in a cosmetic that seems too good to be true.

Anna Webber/Getty Images Entertainment

Depending on how you use makeup, you could save $1,500 per year by cutting your budget in half.

Still, we realize that many of our readers don’t wear makeup (or spend $8 per day on cosmetics), so we won’t even add these extra savings to our running total.

6. Buying (Admittedly Awesome) Clothes

We know, we know: you needed those chic new pants. You’re not alone. Americans spend about 11 percent of their discretionary budgets on apparel and footwear, according to a Wells Fargo analyst, but we often overspend for name brands.

Dan Kitwood/Getty Images

That’s not to say that quality clothes aren’t worth the money; better garments will last longer, when properly cared for. Still, shopping smarter can pay off.

“If you’re shopping for brand name clothes, always make sure to check out overstock stores,” says Hollenbeck. “These stores have amazing deals on quality clothing, shoes, and accessories, oftentimes with deals as high as 90 percent off.” Try Saks Off Fifth, Nordstrom Rack, Gilt, LastCall and Bluefly to find the labels you love at budget-friendly prices.

Another suggestion: Read your clothes’ tags. Properly washing and drying your clothes will keep colors and fabrics intact. Oh, and if you don’t have one already, get a tailor—there’s nothing quite as satisfying as buying a cheap suit or dress off the rack and letting an experienced tailor work some magic.

A Macy’s customer in San Francisco (2017)

A typical American family spends about $1,800 on apparel, according to the Bureau of Labor Statistics. Keep an eye on your budget and avoid splurging, and you should be able to cut that to around $1,400 for another $400 in savings.

Our running total is now around $5,832.

7. Buying Coffee

Everyone drops by the local coffee shop on occasion, but going every day can be a huge drain on your bank account.

Of course, the easiest way to save money on coffee would be to stop drinking it all together.

Starbucks, for instance, recently raised some of its prices, and a simple tall latte now costs a whopping $2.95 at some stores.

Starbucks in Taipei, Taiwan (2012)

“Of course, the easiest way to save money on coffee would be to stop drinking it all together,” Hollenbeck says. “You could take up a habit like a morning run or yoga session to get the blood pumping in the morning, but for some the idea of giving up their daily cup of joe is impossible.” We’re definitely in that group. Fortunately, Hollenbeck still has some advice for us.

“Consider taking advantage of free coffee around you, such as at work,” she says. And for people who enjoy blended coffee drinks, “purchasing some tasty creamer can help liven up a boring cup while helping you spend much less than you would on a daily frap.”

Another tip that might seem unusual: When buying coffee, use cash. A 2016 study published in the Journal of Consumer Research showed that people experience more “financial pain” when paying with cash, as opposed to credit or debit—and that this can actually make purchases seem more rewarding.

In other words, you’ll spend less on your coffee, and you’ll likely enjoy it more than if you’d pulled out your card.

Christopher Jue/Getty Images News

“Using cash at the register can help you get a better idea of just how much you are spending on each cup,” Hollenbeck says.

If you buy three lattes per week, you spend about $460 on coffee each year. Make your coffee at home, and you’ll spend $0.18 per cup for an annual total of $28.

Adding It All Up

That brings our final total to $6,264, enough for a modest-but-dependable used car. Yes, that’s right; smarter spending just got you a 2006 Acura. (And remember, that’s not even counting the approximately $1,500 you could save if you’re a particularly voracious cosmetics user.)

The next time you’re in a financial crunch, keep that in mind—you’ve got plenty of money, provided that you’re capable of watching (and changing) your spending habits.