Bad habits can ruin any well thought out financial plans. Habitssuch as your morning coffee, buying lunch at work each day, andof course smoking and drinking, can drain your bank account.They are not as noticeable as someone backing a truck up andloading all your money in and driving away. However, the resultsare the same.A woman shared her story with me. Her bad habit was smokingcigarettes. She smoked less than a carton a week. Along with herhusband’s habit they used about two cartons a week. On occasionthe decision had to be made whether to buy food or thecigarettes. Guess which one got bought.She made the choice to get a job outside her home, to make thefoodcigarette decision go away. Now she could have both. Workbegan to take more and more of her time. She enjoyed the otherstuff besides cigarettes the money would buy. A budget was neverconsidered, she spent every dime she made. She had STUFF!It all came to a halt when her son began failing school. Itbecame importa…