Dear David,
While I don’t spend my money at Starbucks, my “latte factor” is going out to eat w/friends, plus my phone and cable bill. I have cut down on my cable service, and I will save $156.00 a year, and I changed my phone package to a simpler plan, I will save $432 a year on that, and I only go out on special occasions, so when I don’t eat out, I put that money that I would have spent on eating in an “envelope marked as ‘eating out’ money; so when I do want to eat out, I’ll have it. Another thing, I never valued quarters so much as I do now that I have to do my laundry in the building where I live; so I spend around $7.00 in laundry money around every two weeks, because when I can wash by hand I do, and I drop those quarters in a can. It adds up.
Thanks,
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