Brew your own fancy coffee

In one year, at an average of $4 per cup, you spend $850 to have specialty coffee at work. If you make an initial $15 investment for a good thermos and then brew a small amount of your favorite coffee at home, you can save over $700 a year.

You can add cinnamon and vanilla, condensed milk and other flavorings at a very small extra cost. You’re still going to save close to $700 each year.