What are your best day-to-day tips and habits to stop spending money frivolously?
I already know my budget and stuff.. but I need help with not buying a $3 latte every day, bringing lunch to work instead of buying it (buying lunch is like $7 a day), etc. I guess my problem is that I don't *Need* to stop these frivolous spending habits because my paycheck covers it all but I want to start saving money more! How do you guys do it?
Also, don't you think that our (USA) culture has largely shifted to almost always eating out rather than almost always making dinner at home/packing lunch for work? Why do you think this is? Do you like it or not like it?