. Set Long-term Goals
Find yourself blowing big bucks on small purchases like coffee and vending machine snacks? Here's a simple way to crush the habit: Pick something that you really want – a vacation, a fat emergency fund, to get out of debt – and remind yourself of this goal each time you feel tempted to blow money on a non-essential. Then, take the money you would have blown, and put it towards your goal. Before long you'll be sunning yourself on a tropical shore or sitting on top of a mound of money.