Anna Lee (Guest) - No matter how much your debt is, it is still not too late for you to free yourself from your debt.Visit Total Services Debt today and be a debt free tomorrow.
For more information, interested parties may visit on the site at: http://www.totaldebtservices.com

- Its true that we need to cut down on our habits but since its already a habit its going to be hard to cut it down or totally scrap it from our daily routine. I think I'm going to try computing my total expense on my habits just like you did. Thank you for this eye opener.

rofizarkasih - A little change in our daily habits trully can make significant  money saving. Thanks for enlightening me.

rhitter94 - Oh yes... that coffee habit is very costly.  Today I was weak, and went to Starbucks.  I justified it by saying I needed to a "decent" cup of coffee as adverse to drink the coffee here at work for free.  Yes.. coffee habit are difficult to break.

Debbie - People are often amazed at what the little coffee habit amounts to.  There seems to be 2 groups of people in the personal finance blogging world- those who agree that cutting back or eliminating the coffee shop will give you additional money better spent elsewhere; and those who feel the coffee shop is such a minor expense that it's ridiculous to even mention it as a way to reduce your expenses and live on less.

I think I fall in the middle somewhere.  I love my coffee shop, expensive coffees.  They make me happy for some reason, and probably because it's about the only "treat" I allow myself regularly (2 or 3 times a week).  On the other hand, the $6 a week I am spending on that could pay the phone bill at the end of the month ($24) or my son's school lunches...

But I don't think I'll lose sleep over my coffee. And you shouldn't either :)  maybe cut back to 2 days a week instead of 5 and give the difference to your church.