From BundleHQ: Our pricey coffee addiction and a verdict on that unpaid phone bill

The extra daylight is nice, but the first day of daylight savings is horrible. Above, Bundle designer Selma-Rachel valiantly, if unhappily, battles the early wake-up effects with a massive cup of coffee — her first of three. And yes: she makes cup No. 1 at home, then brews Nos. 2 & 3 in the office. "Because it's cheaper," she says. Oh, now I'm all emotional.

Speaking of coffee ... : Selma-Rachel's not the only one obsessed with/depending on a morning blast. Moriah's open letter to Starbucks this weekend reminded me how many of our money conversations so far have been about the $3 we spend — or try not to spend — on our daily cup. "I can't keep up this expensive habit," Greg wrote back in February. Logan confessed to a morning splurge almost every day. And Starbucks consistently charts among Bundle's top merchants for food and drink. (Monday challenge: Find a place/demographic where the coffee chain doesn't rank top 10.)

What about that credit score: Last week's confession of an unapologetically unpaid phone bill prompted more than a few questions about the effect of such willful negligence on the confessor's credit score. Credit expert Gerri Detweiler read the story and agreed to weigh in; her take is in the comments.

Hey, big spender: A series of discoveries seem to support the idea that men spend more than women — even in the same age groups and income categories. They spend more on their phones (double in Boston and Phoenix), cars (four times as much in Vegas), and entertainment (by 3-to-1 in Baltimore). Is this an income effect — that is, men make more and therefore skew even the averages within an income category higher? Or is something else at work here?

Question of the Day: How much do you spend on birthday gifts?