Are there small daily spends you'd never give up, even if they don't make financial sense?

A natural way to answer

There are a few, yes. On paper they're indulgences I could easily cut, but I've made my peace with that. I take the view that money is there to be enjoyed, not just hoarded, and a few small pleasures are what stop frugality tipping over into misery. It's a deliberate trade-off, not an oversight.

Key phrases to use

• quids in — in a good financial position; having made or saved money“Skip the daily coffee and you'd be quids in.”
• prise — to force something away with great difficulty“You'd have to prise it out of my hands.”
• tipping over into — gradually changing into a more extreme or negative state“Caution tipping over into stinginess.”
• tighten my belt — to spend less money because you have less to spend“We had to tighten our belts last winter.”
• boil down to — to be, in the end, a matter of one essential thing“It all boils down to what makes you happy.”