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for the average person, these are not practical savings vectors
if you want to save money and see it at the end of each month/year
1...dont buy coffee outside ever...coffee can be anywhere from 1 dollar a day, which isnt much, up to 12-15 a day for some people...thats is roughly 300- 3600 dollars of after tax money given to coffee vendors.
2..dont shop in convenience stores, you pay an extra charge everytime you do. some people spend 3-5 a work day in there, thats 1200-1500 a year
smokers can spend up to 20 per day in a convenience store, as they rarely only buy cigarettes, they will also buy a drink/ candy/ gum...lets put them at 3000-6000 per year
3..buying breakfast and lunch and dinner out, some people do this everyday
breakfast 4-10 sometimes more, is 1000-2500 per year, lunch at 5-15, is 1250-3750 per year
thats just 3 things
but its an easy way to save 5-10k per year, thats enough after 1-2 years for your first down payment on a house.
if you are really frugal you can add on, not buying the most expensive clothes, or the most expensive car you can afford etc etc
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