MM runs on Starbucks. I heart my 'bucks. However I only get my jolt of real in-store 'bucks espresso once a week or less. Since I don't drive, and there's no 'bucks anywhere near me, I have to wait until I'm in a 'bucks region. I am fully aware of my likelihood to be a multibucks-per-day person. Give me a job in the city -- and the option for 'bucks locally? I'd be mainlining the stuff and twitching on the subway. I am sure that I would find ways to rationalize my coffee spending. Just watch me. :)
However -- I am also frugal. Reading this article from Yahoo Finance is damn near enough to make me DUMP the stuff cold-turkey and put the coffee-funds in the bank every week.
Because. OMG. Some of YOU are spending MORE THAN THIS! (Don't even get me started on the OTHER addictions you're wasting money on. Hi, butts!)
Yahoo Finance -
If you buy one $4 latte each day, that coffee habit will set you back $28 a week, about $120 a month and $1,460 per year.
Keep that up for five years, and you've slurped away $7,300, not including any money you might have earned by investing your cash instead.
If you account for missed investment returns, the loss amounts to roughly $9,300 (assuming a 9% average return).
After 10 years, your Starbucks habit costs you a car.
After 30 years, the $239,891 that you drank away (including investment returns), could have bought a house.
Over 40 years, the Starbucks habit could reduce your retirement nest-egg by anastounding $634,428 -- enough to generate an income of more than $2,600 a month.
Did you see my mouth drop?
How can you save a 'bucks? Quit going there so often. None of us NEED several 'bucks a day. NONE OF US. (That hurts my heart to even SAY.)

Nobody needs a Frappuccino.

Um. No.
Change up your order. Learn how to order ghetto-bucks like MM. Hey, I like saving money. I get the most espresso I CAN for the least amount of money.
Yes, I am calculating my potential savings. But, you're still going to have to pry the espresso out of my hands. My very cold hands. It's 0 degrees outside, and I still want my Venti Iced Americano.
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