Step Six: Take Back Your Money
Weigh the "latte factor" expenses against the goals on your wish list. Chances are you'd gladly give up overdue movie-rental fees if it meant taking that family vacation you've been dreaming about. Start by cutting in half the everyday expenses you can't bear to eliminate altogether. Just by halving a two-bucks-a-day soda habit, you could save as much as $365 this year! Bach also recommends lowering your fixed overhead — say, downgrading from a deluxe $80 cable plan to a standard $19.95. In each category, next to the actual amount you spent this month, write a goal amount that reflects any projected cutbacks (say, $28 a month on coffee instead of $56) to guide you next month. These small cutbacks will yield big rewards — a patio set, a new kitchen, college tuition, you name it. And when you look at it that way, it makes taking out pizza once a week instead of twice seem like no sacrifice at all.
開源節流
省下不必要的開支，例如，與一場度假比起來，看電影就顯得那么微不足道了。

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