Do you still buy a morning cup of coffee?
When times are tough, financial advisers will often tell people to break up with their morning cup of coffee. The logic is that if you can just cut back and find your morning caffeine at home, you’ll save hundreds of dollars annually.
That doesn’t account for the fact that your morning coffee might be the only real indulgence you have right now. Do you still buy a morning cup of coffee or have you decided that it’s a luxury you can’t afford?