coffee

We don’t want to hear it but spending less consistently over time is key to growing wealth. Cut out the spending sprees, comfort shopping and jet skis. Make your coffee and bring lunch to work occasionally.

Implementation and cost

  • Don’t go overboard – Your spending limits need to be sustainable over the long run.
  • Use an online budget planner to figure out where you are spending your money.
  • Decide which ongoing discretionary purchases you can forgo.
  • Set a weekly spend limit and stick to it.