Convenience spending—think daily coffee runs, food delivery, or subscription auto-renewals—seems harmless until you tally it up. A $5 latte every workday costs $1,300/year. Start by tracking all micro-transactions for a week; you’ll spot patterns.

Replace habits mindfully. Brew coffee at home 3x/week and save the café trips for social outings. Batch-cook meals to cut delivery fees. Use apps like Truebill to cancel unused subscriptions silently draining your account.

Psychological hack: Label a jar with a goal (“Vacation Fund”) and drop in the cash you’d have spent on impulse buys. Visual rewards reinforce discipline.

Remember: Convenience isn’t the enemy—unconscious spending is.