[globular-toast]

Like any problem you should always start by tackling the big low-hanging fruit. Then work your way up as far as you can be bothered.

For most people the biggest thing is a car. If you can not own a car at all then you're laughing. But if you have to then I recommend buying old, undesirable cars from good brands like Honda, Toyota or Ford, but always research the model first as every brand has made stinkers over the years. You can drive these cars until they are scrap and pay a fraction in depreciation that you would have on a newer or more desirable car.

Of course, if you want to own a car then by all means do it. But just be honest with yourself that it's not an essential thing and you'll be making sacrifices elsewhere for it.

It's totally possible that the lowest hanging fruit on some people's trees is things like coffee. But the important thing is to record your expenses and budget so you can identify what the lowest hanging fruit it.

Also, just because something is a bigger expense, doesn't mean it's a lower hanging fruit. Most people spend most of their money on housing. But you need a roof over your head. You don't need coffee from your local hipster outlet.