If the words "I can quit anytime" are starting to sound hollow, it may be time for a financial intervention. Whether it's cigarettes, alcohol, lattes, cupcakes, or lottery tickets, the cost of a vice or addiction can wreak havoc on your bottom line. If it's just a now and then habit, put the money saved into a jar and watch it add up, with a promised reward at the end. If it's something a little more serious, get help from many of the free resources available for everything from gambling to overeating. There are even support groups for well-known coffee shops.