1. Avoid designer coffee
kikovic / Shutterstock.com
You’ll spend more than $1,000 per year if you drop $5 on coffee on weekdays. Many workplaces offer free coffee to employees. Rather than making the trek to Starbucks or other designer-drink shops, stick to the brew in your office. It may not be as tasty as fresh espresso latte, but at the end of the year you’ll have extra money in your bank account.