One of the more interesting differences of opinion amongst personal finance books and websites is whether or not it makes sense to focus on making a few big changes or a lot of small changes.
Let’s say you make 10 small changes to your life that each save you $1 a day. Over the course of a month, that’s $300 — $1 times 10 things times 30 days in a month.
On the other hand, let’s say you make 3 big changes to your life that each save you $100 a month. Over the course of a month, that’s also $300 — $100 times 3.
Obviously, both approaches are going to save money, but which one is the better approach?
Some will argue for the smaller number of big changes. You’re far better off making a few really high impact changes, goes that argument and this enables you to live your day to day life. The argument here is that it’s not the $5 coffee that’s damaging you, but the $100 cable bill.
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