I stop for coffee for the long commute at least twice a week. Okay, maybe three times a week. I have to stop. $1.50 X 3 X 52 weeks = $234 a year. I can put that towards something better. This morning I made coffee and it was okay. I had to talk myself out of stopping for a second coffee but I did it.
So I have spent no money today. And the $1.5o is going towards a debt or savings payment this week.