How to Save Money Without Giving Up Too Much

Indulge in Little Luxuries

It’s easier to cut back when you don’t feel deprived of the joys in life. The majority of survey respondents―62 percent―say it’s important to spend a small amount of slush money every now and then. Moreover, half of the respondents say that, unless they continue their daily low-cost rituals, such as a morning cup of coffee, they don’t feel like themselves. In fact, Real Simple reader Kym Kinsley says, “A latte is a part of my mental wellbeing, and I told my husband that it is a nonnegotiable item no matter how tight money becomes. So he gets me one every morning before he goes to work.”

Kinsley isn’t alone: Twenty four percent of people report that a cup of coffee is their preferred pick-me-up. Including Real Simple reader Deanna Savage, who said she's not willing to give up her "daily Starbucks fix." Other winners:

• Buying lunch: 44 percent
• Ordering a movie on demand: 20 percent
• Buying a magazine: 18 percent
• Making an impulse buy at a cash register, such as candy: 17 percent
• Downloading music: 17 percent

Still, there are ways to be smart about these purchases: Occasionally check sites such as couponcabin.com and coolsavings.com and print out deals to keep onhand. Want more tips? See:

• 10 Ways to Spend Smarter
• How Do You Save Money on Everyday Essentials?