At first, grabbing drive-thru coffee was an occasional indulgence to get you going on a slow Monday morning. Then you gradually picked up coffee more and more, until one day you realize that you’re spending a couple hundred bucks a year on paying other people to pour water over ground-up beans for you. That’s lifestyle creep, and you can put a stop to it before it eats your entire budget. [HEY YOU, POOR KID!]

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