I go out for a chai latte sometimes and bring my daughter with me to get a smoothie. Fuck people who think everyone else should cut back on this shit. Just because you're not wealthy doesn't mean you don't deserve the occasional nice treat to make your life a little less dismal.
I'm currently a millionaire because at the time, it was cheaper to buy then it is to rent. There was a first-time homebuyer bonus also and we only needed 3.5% down. We figured if we just broke even when we wanted to move, it would have been worth it. This was back in 2009. Then, waited 10 years and I can't afford that condo that I bought with my income today.
Right, but if you stop buying coffee every single day, even a cheap cup, that's like $30-100 saved per month or $1200 or more in a year. That's not nothing. That dread you get around the holidays of "will I have enough money to buy presents?", well, now you can buy presents.
After making coffee at home and figuring out exactly the way I like it to be made, I hardly ever consider rolling the dice on one if I can help it. Getting it while out and about is only for when I have no other choice (not being home for a long time). The cost savings are just gravy.