I get that all the time from neggy mates. For me personally it started out as me slowly reducing the amount I spend on lunch each day, I used to have a daily budget of £5, now almost 200 days in I now have a budget of £3, This is forcing me to bring a supplementary snack from home or look for something cheaper, therefore changing my spending habits. Its the compound effect at work, small insightful changes will benefit me overall in the long run.
Soon I will have to scrap buying lunch everyday and just bring something from home, but because I have eased into this it doesn’t seem such a big deal.
Also these savings will go to a new phone upgrade.