Tell me if this scenario sounds familiar
You woke up this morning late, so you jumped out of bed, got ready quickly and ran out of the house.
No time to walk to the train station, you hop in the car instead; don't forget to stop for a coffee and a breakfast sandwich at Starbucks since you didn't have time to eat at home. Grab a bottle of water too, since you're really thirsty.
Of course that's not going to keep you full ALL day, when your tummy grumbles at noon you run out and grab lunch since you hadn't managed to pack one that morning (and darn it, you were just so busy last night!). Don't forget to grab a drink with your lunch!
With the work day through, you head home and then straight to the grocery store. "Are you a points member" they ask?... No. "It's free and it only takes a minute"... I just don't have time.
You head home, looking back on your day favorably. You ate good food, had a productive day at work, the cute barista winked at you in the morning...
It's too bad you just lost SO much money!