It’s a latte, a fast food meal, an impulse buy at the checkout counter. Who doesn’t spend a frivolous 5 dollars every day? Save it instead and you’re on your way to reducing debt. Easier said than done, right? Not really. Start by clipping coupons, and make it a habit of using online coupon codes for everything you buy on the Internet. Cook at home instead of going out. Think of skipping a splurge not as denying yourself, but rather rewarding yourself with better financial health. It’s about taking small steps — $5 at a time.