Financial resolutions: Get rid of the pastries
It's all in the pastries.
My budget is slayed, not due to the "Latte Factor" (a.k.a. the "Starbucks Factor," spending $4+ each day for pricey coffee beverages), but due to the extraneous purchases when I get my often-daily coffee. If any of my three boys accompanies me to the coffee shop when I buy 16 ounces of coffee for $1.75 plus tip, I end up turning an under-$3 budget item (or around $40 a month, as I don't go every day) into about $10; three times a week and I've suddenly tripled my monthly expenses. And from there, it's a slippery slope to getting my local coffee shop's fabulous pizza a few times a month ($22 with tip), and maybe a lunch here or there...
So one of my financial resolutions for the new year is to do a better job of removing the pastry expense from my budget. This can be accomplished by baking at night for the next morning's breakfast (especially if I'm sending my husband for coffee; he loves to make breakfast easy by swiping the debit card); leaving the kids at home when I go; and brewing at home whenever possible. I think I can save about $60-75 a month, or as much as $900 a year, if I make good. What are your financial resolutions?