We’ve all heard it, but just take a moment again to work out how much you can save by forgoing that daily cup of coffee at work, waiting for the train, or in the shopping centre. Say one cup a day, at $3.50 (in many places much much more…) 5 times a week for 48 weeks a year. A princely sum of $840.00 out of your taxed income each & every year……..Ah, I hear you say I don’t do this every day – no probably not, but you get the idea – sometimes you really need want that cup of coffee, & on those days go for it……but how much better can the money be used when it’s more routine than desire.