I have always taken the view that there's really nothing wrong with little luxuries - the problem is when you (a) don't pick and choose the 'little luxuries' that you really enjoy and value or (b) indulge in little luxuries while neglecting to tend to little economies.Some people really enjoy latte, and let's face it, making it yourself can be a pain in the butt - it also requires special equipment. On the other hand, if you are just drinking coffee for the caffeine, opting for the regular coffee - or using your office's free coffee instead - or even (shudder) drinking instant - are all valid options and should be examined, depending on your personal tastes. I think one should acknowledge and choose the 'unneccessary' expenses that you indulge in - just try to be mindful and not indulge in them out of habit, or conformity, or laziness.There are plenty of unneccessary expenses that most people just let slide, not because they get any particular pleasure or value out of them, but because denial and habit are powerful forces. The standard personal-finance advice about "give up your two lattes" should be taken a little less literally, I think. The definition of "what I can afford" is very elastic and depends on my personal values. I can afford a lot of things; what matters is what I *choose* to afford.EditorialWe
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