Chances are, there’s not a single person out there who isn’t aware of the benefits of saving money. Yet 28 percent of Americans have no emergency savings, and 49 percent don’t even have enough to cover three months of expenses, according to CNN Money.

And if you do have enough saved up to cover an unexpected medical bill or an unforeseen job loss, you could probably still manage to save more. Here’s a look at some common habits that can drain the life out of your savings plan.

“The Latte Factor”

Bankrate borrows this term from David Bach, author of The Automatic Millionaire, to describe how regular spending on little things — like your morning latte at the corner café — can cut into your savings. While there’s no need to deny yourself every small pleasure, consider finding one you can live without, and depositing the money you’re not spending into a savings account.

Less-Than-Stellar Interest Rates

You might be the most diligent saver on the planet, but if your bank accounts aren’t working as hard as you are, your savings will suffer. Yahoo reminds you that no matter where your money lives — be it a checking account, CD or savings account — you need to make sure you’re getting the best interest rates you can. If you’re looking to upgrade any of your accounts, remember that Ally’s products consistently come with some of the most competitive interest rates out there.

Online Deal Sites

The past few years have seen the rise of deal and coupon sites, offering consumers great prices on everything from home appliances to luxury hotels. And they make it so simple when completing a purchase just takes a couple of clicks from the comfort of your home or office.

But while that $200 carry-on bag may feel too good to pass up, do you really need it? Yahoo reminds us not to let online discount shopping suck up money you could be saving. Remember: that item you supposedly can’t live without might be on sale, but even at an attractive price, you’re still paying for it.

Diversify Your Retirement Savings

An employer-offered 401(k) is an easy and popular way to save for retirement. However, relying solely on this option may prevent you from earning as much in retirement savings as you could, according to Bankrate. You may want to consider investigating additional savings methods, like Roth IRAs, that you can withdraw from tax-free later in life.

Do you have any habits that cut into your savings goals? How do you find ways to save as much as you can?