I know I can’t be the only one out there who finds it fascinating to determine how much money you can save over 30 years before retirement if you reduce the amount of money you spend eating out by $20 a month and earn a rate of interest at X amount. I’ve actually written about this kind of stuff before.
Someone on a board I visit had a link to this calculator. OH MY!!! This little baby is FABULOUS!!!
If you have any doubts about the long-term impact of small expenses, you need to spend a few minutes playing with this tool.
And if you love to theorize and play with numbers like I do, just remember you need your rest and should get to bed at a reasonable hour!