Piggybank pal
One year while working in Manhattan I bought a skim latte every day for $4. This added up to $20 a week, $240 a year. I switched to regular coffee and halved that number.

Save the special treat as what it is: a treat. Take that $120 and put it into the bank. It will come in handy sometime.

For the smaller stuff, clean out the spare change in your wallet daily. Put it into an old school piggy bank. Shop at Piggy Bank World for all styles of banks, from vintage to coin sorters.

Put that change into a Coin Star, available in over 11,000 locations, and turn your change into cha-ching. And don't forget to smile!