Do you watch too much television? Do you stay up late at night? Your bad habits are not only bad for your health—they can also be bad for your bank account. There are many ways in which you can beat your bad habits. Developing a concrete plan, replacing your bad habits with good habits, and rewarding yourself for your accomplishments are just a few methods. But the key to overcoming any bad habits is motivation, and money is one serious motivational factor. By breaking some of your bad habits you can potentially save hundreds of dollars that you can put to better use, such as a rainy day fund or a dream vacation.

4 Bad Habits That Are Costing You Money

Get rid of your bad habits, mindfully improve your life, and save some major bucks with the tips listed below.

• Snacking. Late night snacking and eating when we're bored can lead to higher grocery bills. In fact, North Americans spend $124 billion on just snacks every year. According to a Nielsen report, the most popular snacks in North America are chips, chocolate, cheese, and cookies. Eating too much of these snacks can contribute to health problems and higher health care bills.

• Couch surfing. Watching too much television and not moving enough during the day is a bad habit that also has serious consequences for your physical health. And while getting fit does cost some money up front (such as gym memberships and workout clothes), they can save you money in the long run. You can save money on future medical bills, and an interesting study found that people who work out more make more money.

• Poor sleeping habits. Staying up late and not getting enough sleep is bad for your health as well. It can also have a surprising impact on your grocery bills. People normally use coffee, soda, or energy drinks to wake themselves up and give them a boost in the morning. According to new research, American adults spend $5 billion a year on energizing beverages due to a night of poor sleep.

• Low self-esteem. Thinking poorly about one's self is a bad habit that many people suffer from. It can hurt your mental health and it can cost you financially in the long run. For instance, having low self-esteem can keep you from asking for a raise at work, which can cost you thousands of dollars.