How much do you spend on a cup of coffee each day? Imagine how much you can save if you skip that cup of coffee and deposited it in an account paying 5% interest compounded daily for the next 10 years. To achieve this and other goals, you need to start planning today. Uncover the different approaches to planning and find out which one suits you best. Get practical information on building a budget, the principles of savings, smart shopping and more.