Little Luxuries

Ok, maybe I am not the best person to give money saving advice.  I'm no Kim Kardashian or Britney (before the meltdown) and I don’t have credit card debt I won’t be able to pay down.  However,  I love my little luxuries.  I love a hot cup of Starbucks, or Revive coffee on a winter morning.  And I always think “I can pay more onto my credit card out of my next paycheck.”   But do I actually pay more?  Generally the answer is no.   This is a cycle that can become overwhelming and, in the end, very expensive.  My new rule?  Allow myself $5.00 a week for coffee.  Whether I decide to use it on Monday morning or wait and use it on the weekend I only get it once.   I figure it will be good for my waistline and my pocketbook (I know, who says “pocketbook” anymore?). 

So there it is my fellow penny-pinchers – my first money saving tip!  It’s important to allow ourselves the little luxuries, but if we can do it with restraint we will be in a better place financially in no time!  Let's talk again soon!