How many times have you heard your friends or coworkers talk about cutting back and saving more money? And how many times have you heard them follow this with grand plans to quit buying overpriced coffee or start packing a lunch everyday?
While these steps will surely save money and shouldn’t be discounted or dismissed, often people who decide to cut back in smaller ways can’t see the forest for the trees. They drive cars they can’t afford or live in a house that’s too expensive, and while hundreds of dollars slip away every month, they deny themselves a cup of Joe to save $2 each morning. One step forward, two steps back.