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Mornings can be challenging for a number of reasons — the lingering buzz of the alarm clock, the mad rush to get to work on time, and mentally preparing for the day ahead.

And in turn, it can be easy for us to not remain mindful of our budgets — how often have you been running late and decided to stop into a cafe for a coffee and bagel? But mornings don't necessarily have to be expensive. Wondering how to save money on coffee while also making time for your other morning rituals? Here are a few ways to make it happen:

Make Your Own Coffee

Those five-dollar trips to your favorite coffee stop add up quickly. If you do that every day during the week, that's $20 a week, or about $1,040 a year. It's far more affordable to make your own coffee instead. Remember that this is also a responsibility that can be shared among roommates or with your significant other.

Meal Prep Your Breakfast

The beauty of meal prepping is that not only can you do it inexpensively, but it doesn't have to consume that much time. Designate a small block of time one or two times a week. You can easily cook a small vat of oatmeal, store it in the fridge, and heat it up in the mornings. Other ideas for breakfast meal prep include quinoa fruit salads, little egg muffins, sauteed veggies, and/or tofu of your choice.

Buy Snacks in Bulk

We're all guilty of stopping by a Starbucks for a quick morning snack. Take stock of the food items on the kiosks that are most tempting to purchase while standing in line. Buy in-bulk to-go yogurt cups, white cheddar popcorn, string cheese, breakfast bars, trail mix, or oranges.


This may take a bit more coordinating, but carpooling with a coworker or neighbor could save you a lot of money. Even if you do it twice a week, a drive round-trip to work could be about 25 miles. With the average fuel economy of cars in the U.S. at 24.7 mpg and the average cost of a gallon of gas hovering at $2.81, you could save almost $300 a year.

Rally interest and get folks to carpool on your commute by putting up a listing on the bulletin board in your job's break room, or create a carpool through Group Carpool.

Stack Habits

Popularized by author James Clear, habit stacking is an approach where you link an established habit with one that you're trying to form. For example, linking an established habit, such as checking your social media accounts, with checking the balance in your checking account right after. The key is to start small and make it realistic and achievable. As mornings can be crunch time, try something that takes very little time.

By changing your morning habits, you can learn how to save money on coffee and beyond.


This information and recommendations contained herein is compiled from sources deemed reliable, but is not represented to be accurate or complete. In providing this information, neither KeyBank nor its affiliates are acting as your agent or is offering any tax, accounting, or legal advice.

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