If you could just stop ordering from Postmates and subscribing to Cinemax, you'd be so rich, dude.

According to a new SWNS  Digital  study, we overspend on things we don't need an average of eight times a month . . . for a total of $315.  That's almost $4,000 every year.

And here are some of the BAD financial decisions we make that are draining our bank accounts . . .

1.  Getting takeout or delivery instead of cooking.

2.  Shopping because you're bored.

3.  Paying for subscriptions you rarely use.

4.  Paying bills late so you wind up getting hit with a fee.

5.  Getting Ubers instead of walking.