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12b-1 mutual fund fees, especially to a company like TIAA, which is allegedly not-for-profit.
Irrationally, little costs & discretionary purchases irk me. It shouldn’t matter paying a few bucks more for a meal, a product, a service etc. Most times, it’s worth it in terms of higher quality.
I rarely feel bad about routine costs that are largely unavoidable – i.e. refilling the gas tank or a health/dental checkup.
I also have a bad trait in that I feel like a vacation is a totally discretionary cost that could be avoided. I should enjoy a vacation – the new experiences and spending time with family – but I find myself putting off such good investments in my wellbeing.
Property taxes that fund school districts with horrible educational outcomes
Book. (I enjoy reading, but only borrow from the library.)
I second R Quinn: costly repairs or premature replacement on cars, electronics or appliances made poorly or with known defects. (Looking at you LG fridge. Actually NOT looking at it, since it’s landfill bound after just 3 years, due to several compressor failures.)
This won’t make me popular with the financial advisors who read this website, but I am most loath to pay expenses for financial “advice.”
I hate paying for an expensive meal that isn’t eaten or at least fully eaten. I don’t mind expensive food on occasion but finish it 🤣
Repairs on something that shouldn’t require them.
Late fees on anything financed. This is money flushed away for zero value and it kills me whenever it happens.
I just came back from a 17 day vacation in California. The car rental was $1200. More than 25% was taxes and fees. More and more cities and states are putting taxes on visitors – they are easy to pass and don’t impact locals.
Cable TV feels like a poor value for the money. Maybe that’s only because I remember when TV used to be free, but I still don’t like it.
I will never pay an ATM fee. I’ve driven many miles out of my way to avoid such fees. The idea of being charged to access my own cash is just too horrifying.
Rent and auto payments. My 2014 VW Jetta is paid off and has just 72,000 miles. It doesn’t look all that impressive, but why pay $400 a month for a new car, when I don’t need to? Ditto for housing—why pay more than I need to just to be in the “right” neighborhood?
Car insurance and car repair costs.
Even with a clean driving record and high credit score, our car insurance has been going up over the last 6 years since our daughter was added to it. I switched recently and it was a little less with the new company, but still it’s much higher than I expect.
Same for auto repair costs, especially on German cars. It’s hard to decide whether some repairs are necessary or not, and almost always, I find the price to be absurdly high. The only reasonable experience was with Honda minivan.
car repairs have become insane. I live in a fairly HCOL with very high insurance costs, so I realize shops are also dealing with higher costs for insurance, parts, labor, etc. But geez…seems like every repair is in the high hundreds or low thousands.