“I’m only spending $40 a month on coffee drinks now. I have my budget on a spreadsheet,” my older daughter and coffee lover commented.
My daughter’s 2021 goal was to spend less money on coffee, so spending $10 a week was an improvement. Paying rent and other away-from-home expenses has made her more financially savvy.
At this time of the year, many people set some sort of goal or “resolution.” Some …