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'To believe some of the blogs and articles on personal finance out there is to believe that my coffee habit is scuppering my chances of having a comfortable retirement' (stock photo)

'To believe some of the blogs and articles on personal finance out there is to believe that my coffee habit is scuppering my chances of having a comfortable retirement' (stock photo)

'To believe some of the blogs and articles on personal finance out there is to believe that my coffee habit is scuppering my chances of having a comfortable retirement' (stock photo)

Q: Like lots of folks, I've been working from home since Covid-19 and I've been managing for the first time to save loads of money, not least from cutting out the cost of commuting, coffees, takeaway lunches etc, etc. I've long since built up a reasonable rainy day fund, and want to keep saving and maybe start paying into an investment fund. However, I'm worried that I'll lose the savings habit when things get back to normal, as I can be a little impulsive. Can you suggest any tips, tricks or even a good online budgeting tool that could help me stay on track?  Caroline, Navan, Co Meath.

Hi Caroline. I enjoy a 6oz flat white. I buy one regularly from a coffee shop near the office. This is very irresponsible behaviour according to some so-called experts. What next, they might ask? Smashed avocado and poached eggs on sourdough? Heaven forbid.

To believe some of the blogs and articles on personal finance out there is to believe that my coffee habit is scuppering my chances of having a comfortable retirement. According to 'personal finance guru' Suze Orman, a US-based financial expert and best-selling author of 'Women and Money', I am missing out on a seven-figure sum.