When you add it up, do you spend thousands of dollars a year on a take-out food ordering service? A bundle on Amazon Kindle book downloads? Magazine purchase at the checkout? Pricey coffee by the cup? How much money do you spend on things that seem like no big deal, but are actually huge gaping holes in our discretionary budgets? To start off this year with a better spending mindset, take some time to do some self-examination to see where those extra bucks are going. Then decide if they’d be better suited for paying down a debt, bulking up an emergency fund, or saving up for a bigger splurge, like a vacation. We’ve identified some areas of spending that tend to be the biggest money gaps. Read all abut them on our sister site, Living on the Cheap.