“It sounds cliché but cut back on your daily runs. If you spend $5 a day, five times a week, that’s $25 a week and $100 a month is $1,200 a year. If you make coffee at home instead of buying it every day, you can save up to $1,000 a year that you otherwise might have just thrown away,” says Erika Kulberg, a personal finance expert and founder of Erika.com.

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