"There are no such things as 'little things' financially - those bagels or morning coffees will kill you financially, eventually. So many people I work with constantly complain they have 'no money' but they show up with Tim Horton's coffee and a bagel each morning - poof - $5.00 gone a DAY. That's gotta be like $100.00 a month at least! Imagine what else you could do with that - retirement plan, a vacation. I quit doing the morning coffee thing for a year, saved $1200.00 and am going to Jamaica in January. I figured that in retrospect, I didn't want to say I spent $1200.00 on bagels! LOL It sounds so stupid but it's true!" -Cami, commentor on The Simple Dollar blog
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