#4: The Latte Factor Is NOT the Problem

Hey Funancers!

People love blaming your daily coffee for your money problems. But guess what?

It’s rarely the Rs. 250 latte. It’s the Rs. 25,000 of “I’ll deal with this later” stuff that bites.

🤑 Money Nugget of the Week

Focus on big wins, not guilt trips.

Instead of cutting every small joy, fix the leaks that matter:

• Got a subscription you don’t use? Cancel it.

• Have idle money in savings? Park it in a high-interest account.

• Still using debit cards only? Time to level up with a smart credit card.

Small habits help. Big fixes change your life.

💥 Finance Myth Busted

MYTH: Cutting coffee makes you rich.

TRUTH: Increasing your income, negotiating better, and investing smarter will.

Drink the coffee. Just don’t forget to build the machine that pays for it.

🎯 Funance Challenge

Audit Your Autopilot 🛠️
This weekend, open your bank app or UPI records.

Find 2 things on autopay (or auto-mental-habit) you don’t actually use or value.

Cancel, pause, or replace them.

Bonus: Move that saved amount to a savings/investment account

🔧 Tool of the Week: Budget Like a Boss with the 50/30/20 Rule

A tool I just love to use and been using it for the last one year.

Its simple, easily trackable and free! If that’s not enough, its also downloadable for your convenience: Budgeting Worksheet

Hope you enjoy it as much as I do :)

💬 Your Turn

What’s one non-latte expense you cut that made a real difference?

Reply and share, it might inspire someone else’s glow-up!

Until next Friday,

Stay caffeinated, stay conscious, stay classy.

As always, rooting for you from afar. 💛

Love,

Pranav

You can also visit finerapy.com for simple, easy and practical personal finance guides that are written just to make your life little less difficult when it comes to your money.