<p>But Souffrant points out that even though making coffee at home isn't your ticket to overnight riches, it still makes a difference. "While saving a dollar or two on coffee isn't going to make you a millionaire overnight, these small, practical, money-saving actions will help you make more conscious spending decisions in other, bigger areas of your life," she says. </p>

<p>Automating your finances to directly distribute your paycheck where it needs to go - toward bills, insurance, emergency funds, and savings accounts, like your 401(k) - can help you stick to your budget. "Make sure the mandatory things in life are paid off first," says Souffrant. "You never know what's going to happen and you always want to be prepared." Once you have those protective mechanisms in place and your basic needs are met, you're freer to spend discriminately. </p>

I'll be the first to admit that I live frugally. I like vacations and fashion, and one day plan to own a home, but I'm a millennial living in an expensive city, so most days, these goals feel like distant mirages in the desert.

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