12. Allow Yourself to Splurge, but Keep It to a Minimum
Although you can save big by not buying a daily latte — averaging $3.65, you would save $1,332.25 a year — you shouldn’t completely deprive yourself if it’s something you really love. If coffee is your financial Achilles’ heel, consider buying your beloved caffeinated drink once or twice a month rather than every day. If you love buying new shoes every month, limit yourself to one pair a season.
Yes, it’s important to save, but you should also be able to enjoy your hard-earned money from time to time — latte included.
