The above is good sound advice that I am currently learning the hard way.
Other things that have occured to me today include the vast economies of scale on Starbucks coffee. A tall latte at starbucks is $3.30 and a venti is $4.45. For about 25% of the cost, you can get a coffee that is well over 50% bigger. Either way it's a rip-off and as soon as they quit putting cocaine in it I will surely realize that.