In light of my New Year's resolution, I'm all about making savings a priority and cutting back where I can this year. The simplest solution is to always do the math. Rather than handing over that $3.50 for a grande latte on a daily basis, really take the time to calculate how your coffee routine is affecting your budget. If it is, in fact, a routine, you're likely spending way more than $3.50. In a week, you're actually spending $24.50 on coffee drinks alone, and if you're serious about your coffee addiction, that's $98 a month and $1,274 a year — all on a beverage. Do the same math with your lunch (time to get reacquainted with packing your lunch!), subscriptions, and excess spending.
It may seem a little extreme, but seeing it all add up is an eye-opener, and one that I like to put into practice on a daily basis, rather than just a few times a year.