If you are buying a $2 coffee every day on the way to work, you are spending more than $500 a year on that. If you rent and don’t own your own home, in a decade that’s your down payment on a starter home!

Everyone likes a treat once in a while so buy a coffee once a week and the rest of the week, use a travel mug and make your coffee or tea at home. What should you do with that money? Consider paying that extra $40 on a debt each month. Instead of making a minimum payment on your credit card, add $40 and watch your balance shrink.

Do indulge on occasion but every little bit saved can help you get debt-free sooner!