RAMS Loose Change Round-Up, focusing on the small changes in life that can have a huge impact on the success of a budget.
One of the first golden rules of any weight loss diet is to not drink your calories. In every glass of just about anything other than water, there are sneaky calories that are swallowed easily, in seconds and land firmly on our hips and butts. To cut back on calorie intake, one of the quickest and easiest changes in lifestyle is to drink water.
If your budget needs to go on a diet.. the same principle applies.
At work every day, I see most of my workmates buy a coffee at morning break. It's a communal time, and you can hear the groan of pleasure as they take their first sip. Several say "This is my one luxury in the day." ... Then conversation starts and the rest of the cup of Joe is drunk without much thought, the eco friendly cup tossed in the recycling and back to work we go.
And it seems like a small luxury.. $3.50 for a cup of hot, rich, wake-me-up heaven.
Twenty minutes later, there is a queue in the ladies room as the liquid does what it does and disappears down the toilet.
Here's a nasty little fact.
One cup of coffee each day, 5 days a week for a year is $910 , all flushed down the toilet. Literally.
A bottle of Coke or other soda is similar in cost, and in the same way, flushed down the toilet in less than an hour.
Even cutting back to two cups a week will free up $546 in one year to put towards something important. Or special. Or truly luxurious.
Are you flushing away nearly one thousand dollars each year on a small luxury? Can you really call it small?