On my to-do list one day was to transfer my bimonthly $100 from my checking account on to my Starbucks card. But while I was in Target that day, I noticed a Keurig machine, the kind where you can make one cup of coffee at a time, on sale for 99 bucks. I made the impulse decision to get that instead of my Starbucks refill, and it was one of the best (coffee) decisions I've made. The coffee is delicious, and it cost only 50 cents per cup instead of four dollars! I've converted a few people at the office, too.

Now I only have Starbucks when I want to "treat" myself!