Playing devils advocate here: you're spending $1200 a year on coffee. With that money you could not only buy a really nice coffee machine and make it yourself every morning, but also have a bunch of money leftover to put towards your loans, invest, put towards a nice vacation, etc.
The idea is that those small daily expenses tend to add up, and there may be a lot more of them than you realized.
The idea is that those small daily expenses tend to add up, and there may be a lot more of them than you realized.