An instant money saving tip for you is obvious, but worth mentioning. Bottled water is a waste of money (unless you are travelling internationally.) Many offices provide filtered water through a service. Take advantage of what is free.The average bottle of water costs you as much as a soda if you buy it from a vending machine. So, consider spending $1.50 twice a week for a year. That's $150 and its an occasional habit.
If a 30-year old put that $150 per year into a retirement fund earning 8%, they'd have $25,847 at retirement. That's assuming the cost of bottled water doesn't rise with inflation.
