- Budget to be able to buy lattes. The inflation and results from $100 a month may be better spent frivolously than conserved. In other words, budget for frivolous expenses.
- Don't spend money on this stuff if you've got bigger problems.
My opinion:
I mean... It's a drink. I'd recommend Tim's instead of Starbucks if money is tight. As a person who spent two years homeless, this stuff is helpful for mental health. Being able to have less worries than more worries is important.
Don't forget the old 50/30/20 rule. 50% on needs, 30% on wants, 20% on savings. Recalculate that not to your needs or wants, but how often your unemployed and if that number is more than 20% a year you should increase savings to cover that as well. Then recalculate needs, review on current bills, and rebalance and so on.
Also keep a month or two of cash reserves for emergencies.
- Budget to be able to buy lattes. The inflation and results from $100 a month may be better spent frivolously than conserved. In other words, budget for frivolous expenses. - Don't spend money on this stuff if you've got bigger problems.
My opinion:
I mean... It's a drink. I'd recommend Tim's instead of Starbucks if money is tight. As a person who spent two years homeless, this stuff is helpful for mental health. Being able to have less worries than more worries is important.
Don't forget the old 50/30/20 rule. 50% on needs, 30% on wants, 20% on savings. Recalculate that not to your needs or wants, but how often your unemployed and if that number is more than 20% a year you should increase savings to cover that as well. Then recalculate needs, review on current bills, and rebalance and so on.
Also keep a month or two of cash reserves for emergencies.
Now go buy a mocha, they're better.