Next time you're buying food, multiply the cost of it by 365. That's the "lifestyle cost" of eating that kind of food every day.
So, having a $15 lunch every day costs $5,475 per year.
For once-per-week costs, you can multiply by 52. So, $70 drinking every Friday night has an annual cost of $3,640.
Why is this useful to do? First, you'll realize that many things that seem cheap, aren't. You might very well be spending $7,000 per year on coffee, if you're at cafes a lot. That might be a fine expense, but it's worth knowing.
Much more importantly, you'll realize that some things that seem expensive, also aren't. If you're spending $7,000 per year on coffee and you're a very heavy internet user, you might consider scaling your cafe-habits back slightly and buying the highest end laptop possible. A lot of people will get a cheaper laptop to save a few hundred dollars, but spend thousands per year in consumption that they don't really enjoy all that much.
Gossip is where you're talking about other people for no productive reason.
What's not gossip?
1. Analyzing a situation2. Discussing how to help someone having a hard time3. Trying to figure out what happened recently4. Trying to decide if to bring someone closer in your life5. Working through challenges you're having with an important person in your life6. Genuinely positive updates about what people are doing7. Looking at how a person managed to achieve something worthwhile8. Otherwise important updates that are relevant to the listening party
There's perhaps a few other categories, but it's easy to go off the rails into discussing someone -- positively or negatively (but usually negatively) in a gossipy way.