No matter where football fans are on Sunday, they’ll likely be spending money on the 51st Super Bowl.

The New England Patriots and Atlanta Falcons are set to battle for the trophy this year, and there will be pumped up fans at the stadium, the local watering holes and in their homes throwing parties. “It’s similar to the why people spend so much on Black Friday and on Christmas and all these different commercialized holidays,” said Ash Exantus, a financial empowerment coach at New York-based banking app BankMobile. “It is based on the hype.”

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Companies spend a ton of money on ads during the game. A 30-second spot for Super Bowl 50 last year cost $5 million, for example — and Budweiser’s controversial ad this year will likely cost up to $3 million to produce — but fans drop a lot of cash as well. Here are three ways they do so, and how much it costs them:

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Going to the game

Fans will be traveling to the NRG Stadium in Houston this year for the Super Bowl. The average list price for tickets as of Wednesday was $4,243, according to ticket sales aggregator website TicketIQ, with about 2,700 tickets still available. Roundtrip lights to Houston cost more than $1,044 from Boston (Patriots’ territory) for a Feb. 3 departure and Feb. 6 return, and about $806 for the same trip from Atlanta (from where the Falcons hail). Flights from New York cost $976, while those from Los Angeles cost $785 and from Chicago, $937, according to Priceline.com. Game goers will see Lady Gaga on the Super Bowl’s roof during halftime, a spectacle that could cost more than $100,000 to insure.

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Partying at home

For fans not going to Houston, they may end up at a local bar or at a friend’s party, if not throwing one themselves. About 12.4 million people plan to go to a nearby bar or restaurant to watch the Super Bowl, according to National Retail Federation, a retailer industry group, and 27% of those surveyed said they plan to go to a party. Americans are expected to spend about $14.1 billion in total on Super Bowl this year, for food, decorations and team apparel, with each person spending an average of $75, the NRF found, which is less than what they spent last year, at $15.5 billion. There are ways to save, Exantus said, such as asking friends to bring dishes, getting color-coordinated but non-branded decorations and searching the web for deals.

Betting big

Americans are expected to bet $4.7 billion on the game this year, according to an estimate by the American Gaming Association (AGA), a trade group based in Washington, D.C. Almost all of them (97%) will be illegal because of the 1992 federal law known as the Professional and Amateur Sports Protection Act, with only four states exempted: Nevada, Oregon, Delaware and Montana. Still, Super Bowl betting is on the rise — this year’s estimate is an 11% increase since last year. In the legal capacity, betting is done with sports books, said Whit Askew, vice president of government relations at AGA, but illegal betting is done through bookies or wagers made online on offshore sites.