Hi there,
This issue's swap: pick it up
Next time you order takeout, compare two numbers before you pay: the delivery checkout total and the pickup total from the restaurant's own website. Between delivery fees, service fees and app menu prices, the difference is often bigger than people expect.
More in Takeout and delivery: where the money goes.
A free thing to enjoy
Check your library's website for "digital resources". Many libraries offer free movie streaming, audiobooks and magazines with your card.
Reader question
"I stopped buying coffee, but I don't seem to have more money." That's common. Savings only show up if the money moves somewhere. Try a weekly transfer that matches your swaps. See Move the difference into savings.
A pocketful at a time,
Pocketful of Savings
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