Hey! Did you know that a cup of coffee and a bag lunch can change your life?

Throughout the day, we think about the things we want: a Frappuccino from Starbucks. A new car. A trip to Hawaii.

Fact is, giving up the small things can help you get the big ones. For example, packing a lunch instead of eating out every day could save $50-$60 per week, or $200 a month, or $1200 to $1500 per year! Make your own coffee and you could save another $100 a month on top of that.

A great exercise is to look at your monthly expenses and decide what you need to have versus what you want to have, then modify your habits accordingly.

Even if you aren’t ready to make big changes to your lifestyle or habits, small steps today mean a big difference later! See you next time on Money Matters!

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