Have you ever stopped to think about how much money you spend on coffee each month? If you’re picking up a $5 drink every weekday, that adds up to around $100 a month—or $1,200 a year. Some people call this the https://latteperday.com/ habit. Now, we’re not saying you shouldn’t enjoy your favorite drink, but what if you put some of that money to work instead?

Let’s start with something simple like a high-yield savings account. It won’t make you rich overnight, but it’s a safe place to grow your money. If you saved $100 a month, you’d have $1,200 after a year—and with some interest added too. It’s a good option if you’re new to saving and want your money to stay accessible.

Looking for something with a bit more growth potential? You could try buying index funds. These are groups of stocks that follow the ups and downs of the market. While there’s always some risk, they generally do well over time. Many people invest in these through apps or retirement accounts. Investing even a small amount each month can add up over the years.

Another idea is to use that money to pay off debt, especially if you have high-interest credit cards. Paying down your balance often gives you a better return than investing. For example, if your credit card interest rate is 20%, paying it off is like earning 20% on your money.

If you’re more hands-on, you could explore peer-to-peer lending or try micro-investing apps, which let you invest small amounts in different companies. These tools often let you start with just a few dollars. They’re not guaranteed to grow your money, but they give you the chance to learn and experiment.

Finally, think about investing in yourself. Take an online course, buy a book, or learn a new skill. These things can help you get better job offers or start a new side gig in the future.

It all starts with a simple choice—skipping a few takeout coffees each week. It's not about quitting your favorite treat forever, but about spotting a chance to use that money for something bigger. Whether you save it, invest it, or use it to grow personally, a little change in habit can make a pretty big difference over time.