a leaky hole; closer than I thought
Sep 19, 2025
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When minor consumption is accumulated, it leads to a large financial burden. However, these birds can create economic leeway by checking and managing holes in money. From today, let's check the typical habit of leaking money and check the balance of your bank account.
the cost of a day's coffee
A cafe latte on the way to work or a cup of afternoon americano looks small, but it's a considerable amount if you count it as a month. For example, if you drink 5,000 won coffee five days a week, it costs more than 100,000 won a month. Let's drink coffee with coffee beans or drip bags at home. Using reusable tumblers can also benefit from cafe discounts and even protect the environment. Reducing coffee consumption to two to three times a week increases savings remarkably.
Leave subscription services unattended
Subscription services such as OTT and music streaming are automatically paid without use and waste money. If only three services, which are paid 10,000 won per month, are left unattended, 360,000 won per year will disappear. Let's check the subscription list every month and boldly cancel low-frequency services. Sharing an account with family or friends can further reduce costs. Let's manage our finances by maintaining only the services we need.
It's called a discount, so I buy it on impulse
Buying things that you don't need because you're attracted to sale advertisements or limited-edition marketing is the main culprit for increasing your spending. It is easy to be swayed by the psychology of 'If you don't buy now, you will lose money'. Make a list of things you need before shopping, and apply the rule of waiting for a certain amount of time before purchasing. Considering whether you really need it or where to use it reduces impulse purchases. If you put it in an online shopping cart and review it a day later, you can prevent unnecessary consumption.
a small payment habit
Small amounts of spending, such as small payments in the app, convenience store snacks, and delivery coffee, feel light, but accumulating is a big burden. For example, if you buy a 3,000 won snack a day five days a week, it costs more than 60,000 won a month. Let's record weekly expenditures with the Household Department app to understand consumption patterns. Prepare snacks by dividing fruits or nuts at home, and manage app payments with passwords or restrictions. Reducing small consumption creates savings.
frequent taxi and delivery services
Because of its convenience, taxis that are frequently used greatly increase transportation costs. If the taxi fare of 10,000 won once is three times a week, 120,000 won will be added a month. Let's use public transportation or bicycles, and make a habit of going out 10-15 minutes early with free time. If you use delivery food more than twice a week, the cost of eating out will increase rapidly. If you shorten cooking time with simple meal kits or homemade recipes and limit it to eating out once a week, your savings will increase.
an unplanned shopping spree
If you don't plan shopping, you will buy unnecessary ingredients or snacks. Vegetables accumulated in the refrigerator are spoiled or wasted due to excessive purchases. Before going grocery shopping once a week, let's make a list of ingredients we need and make a diet plan. If you purchase as little as you need, it will maintain freshness and reduce waste. Additional savings are also possible by utilizing discount coupons or accumulation benefits.
The hole in the money leak is not a big expenditure, but a small habit in everyday life. If you change your spending habits once a day, you can increase the money you have left every month. Why don't you check and manage my small consumption now.
This article was translated by Naver AI translator.
