It seems like just about everybody is addicted to something. For some, it’s an addiction to technology – like hours spent on Facebook or too much time wasted checking your iPhone. For others, it’s an addiction to something that on the surface isn’t all that bad for you, like food or sex, that’s gone overboard. And then there are those suffering from substance abuse addictions, anything from drugs to alcohol, even tobacco, that’s weighing them down.

The medical community – and even pop science aficionados – spends a lot of time telling us how our addictions hurt our mental health, or physical health, or our relationships. But have you ever stopped to put a price tag on your addiction?

Technology Addiction

I think we’ve all run across a technology addict at one time or another. Maybe it’s the teenage girl at the restaurant who is talking loudly on her phone through dinner. Perhaps it’s the guy who won’t stop playing Words with Friends on the airplane (yeah, I’m talking to you Alec Baldwin). What people like this cost themselves in wasted time – and in our frustration level – is immense. But that’s not the only problem.

Sure, social networking websites are free to join – despite the urban legends that Facebook or Twitter is going to start charging its members, there’s no truth to these rumors. And while you won’t be charged a dime to use these sites, or others like them – including Pinterest, LinkedIn, and Blogger – too much time online could send you overboard on your bandwidth limits or your cell phone minutes, resulting in huge overages that could otherwise be easily avoided.

And that’s only scratching the surface. Those with serious technology addictions – like one of my good friend’s brother’s-in-law – often find themselves waiting in line overnight to buy the newest iPad or video game, even though they already have the older, slightly outdated model sitting at home. Who needs an iPhone 4S for $199 or more when they have a perfectly good iPhone 4 in their pocket? Not you or I, but to some, it’s an addiction they manage to justify.

Addictions That Make Us Fat

There’s a popular saying that everything is ok – in moderation. You can have a Diet Coke this afternoon for lunch, but you shouldn’t have five; you can have a slice of pizza for dinner, but best not to down the whole pie.

It’s when we take our love of these simple pleasures and go overboard with them that they become an addiction. And the costs of these addictions are hurting your finances on two levels:

1. A 12-pack of Diet Coke at my nearest convenience store usually runs me around $3.99. That means the cost of having one a day is roughly $0.33. I recently watched a Dr. Oz episode (blame the fiancé) featuring a woman who goes through a 12-pack every single day. Over the span of a month, my one-a-day habit is costing me $9.98; her case-a-day habit is costing her $119.70. Extrapolate those numbers out over a full year, and she’ll spend more than $1,400 annually… on soda.

2. The far more dangerous affect of this type of addiction on your bottom line comes from the increased health care costs associated with obesity. According to the Centers for Disease Control and Prevention, just over a third of American adults – 33.9 percent – are considered obese; another 34.4 percent are simply overweight. That means more than two out of every three Americans are in an unhealthy weight category. A 2007 report by the Congressional Budget Office found obese Americans paid 38 percent more per capita on their yearly health care costs than an adult of a healthy weight.

Addictions That Can Kill Us

There are unhealthy addictions – things like overeating – and then there are those addictions that are so unhealthy they can kill us… and potentially those around us. These are addictions like smoking cigarettes or excessive drug or alcohol use. An informal survey of cigarette prices in all 50 states – conducted in 2011 by the website “The Awl” – found the average price of cigarettes to be between $4.74 and $11.90, depending on where you live. The median price was right at $6, so that’s what we’ll base our calculations off here. Say you’re a heavy smoker, going through a pack a day on average – that means you’re spending $42 a week on cigarettes; over the course of a year, you’ll watch as $2,190 goes up in smoke.

Of course, the price of cigarettes or the price of alcohol isn’t the only impact of these addictions on your finances. In 2009, the Huffington Post reported that smoking costs the federal government $96 billion dollars a year in direct health care costs; that means some of your taxpayer dollars are going toward this unhealthy habit. Alcoholism and DUI cases put a crimp on the American justice system as well. Smokers and heavy drinkers pay more in medical costs too and also face higher life and health insurance premiums.

Is Your Addiction Worth It?

It’s tempting to think that your addiction isn’t hurting your financial situation, but if you break it down, just about everything is going to have some sort of trickle down affect. Even someone with a so-called “healthy” addiction like exercising is going to pay the price – new work out clothes, worn out running shoes, a pricey gym membership, maybe even health care costs down the road like osteoporosis from not properly refueling their body.

Readers, what’s your addiction? Can you think of ways it’s costing you?

Perhaps you have heard the buzz in recent years about investing in gold and the price of gold, which reached an historic high in 2011. Why so much interest in gold? Gold is traditionally considered a safe hedge against inflation. It is also a way to diversify your investment portfolio. Finally, gold can be a sound investment in times of international stability as we saw in 2011. For these reasons and more, many people have a renewed interest in gold. Many companies like U.S. Money Reserve Inc are in the business of offering gold investments because they know how good of an investment gold is, and are offering many people the chance to make money.

If you are considering investing in gold, here are some basics you may need to know:

There are two main types of gold investments—bullion and gold stock.

If you invest in gold bullion, you are investing in physical gold. You will buy gold coins or bars. As the market shifts, you may notice that the price of the gold you have may decrease or increase. (You can get daily updates on the price of gold through a site like Lear Capital.) During times of economic turmoil, the price of gold can increase. During economic growth, the price of gold tends to recede. However, while the price of gold may fluctuate in the short term, overall, historically, it increases in value.

If you choose to invest in gold bullion, you will need to think carefully about where you will store it. You may physically have the gold, and while you may want to have it stored somewhere near to you, you probably don’t want to store it in your home, especially if you own quite a bit of physical gold.

If you invest in gold stock, you generally are investing in the mines that produce the gold. This is often considered safer than investing in gold bullion, and it is also used to grow wealth (while investing in gold coins and bars is more often a measure taken to hedge against inflation). While investing in gold stock may be safer, you still have to carefully analyze the companies you invest in.

You may see a rise in gold stock during the fall, which is the wedding season in India. There, gold is used as part of the culture, and the need for gold increases in the fall both for weddings and festivals.

Another advantage of investing in gold stock is that you will not have to find a place to store it, and hold the stock will not make you a target for burglars as holding gold coins and bars in your home may make you.

There are several good reasons to invest in gold, not the least of which is that it can help diversify your portfolio. Once you have made the decision to invest in gold, you will need to decide which form you will choose and how you will store it, if you are investing in gold bullion.