which many of my coworkers use to pay for the week's coffees.
People tend to underestimate what a difference small amounts can make if used well consistently over time.
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which many of my coworkers use to pay for the week's coffees.
People tend to underestimate what a difference small amounts can make if used well consistently over time.
That is been my "strategy" since High School. When I was still living at my parent's, I use to save all the money that I could for a important buy in the future. I might say that, many years later, I used that saving, and also big chunk of first 11 years of employee salary (I was living at my parent's so my expenses were few) to give for a entry value for buying a flat (the one that I'm living in, and paying a very affordable bank loan. Just like you said: Grain by grain... Consistently