1. Take the “spend less” challenge.
For the latte example, making coffee at home or even switching to a more affordable Americano could cut your coffee bill in half or even more. Look at your bank and credit card statements each month and categorize your expenses. On what non- essential purchases do you spend the most? Is it eating out? Late-night Amazon shopping sprees? Challenge yourself to cut those expenses in half next month by finding alternatives like packing a lunch for work or having a clothing swap with friends instead of impulse buying. You might realize you don’t need those frequent indulgences as often as you thought you did.