Daily Spending · 3 min
One coffee isn't the problem. Buying one every working day without ever deciding to is.
£975
a year on a £3.75 coffee, five days a week.
The 10-second version
Same £80 a month for ten years. The only difference is where it goes.
Spent on coffee
£0 left
£80 a month, gone
Invested instead
about £12,400
£9,600 paid in
Illustration only. Assumes 5% a year growth, before inflation and charges. Not guaranteed.
Pick one. None of them is wrong.
Skipping lattes won't buy you a house. Knowing where your money goes is still worth it.
Find your number
Search your banking app for last month's coffee and lunch spend.
Move it on payday
A standing order for what you free up, before you can spend it.
Money left in your current account gets spent on something else.
Ready to dive deeper? The full Daily Spending guide has the mechanics, worked examples and fine print.