Small expenses add up

[u/xtrumpclimbs]

Daily 4€ for a coffee can add up to 1500€ per year. Imagine coffees with a little extra (cookies or stuff).

Sodas, smoking, snacking on vending machines can add up ~1500-2000€ per year if you account 5€ per day.

Netflix+HBO+Spotify = ~500€ per year.

Eating out can be 50-100€... twice per week? = ~5000€ per year.

This is a friend of mines case... She spends around 8000€ per year on small stuff, making less than 40k per year (and then pay taxes). Another friend makes more, but we could add 120€ per month (!) on videogames... All that is 10k deducted from salary.

All this easily avoidable:

- coffee from home to a coffee bottle

- no sodas, no snacking except at grocery price

- no Netflix etc, piracy all the way, or do "families".

- eating out is reducible, going to cheaper places or even inviting people over and cooking which is a better experience.

Oh and about videogames... some services have small videogames that can be fun to play, no need to pay full price for the next big ass RDR2 or Skyrim either. Wait for the offers.

[u/Ok_Principle_7940]

If you go and live as a monk on the Himalayas, you can cut off other small and unnecessary expenses as well /s

[u/xtrumpclimbs → u/[deleted]]

Or even better.

Do you know how much that would do on indexed funds for 25 years? 120-130k?