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Speaker 1: Welcome to Before Breakfast, a production of iHeartRadio. Good Morning,

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Speaker 1: This is Laura. Welcome to the Before Breakfast podcast. Today's

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Speaker 1: tip is that when you are at work, you are

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Speaker 1: there to make money, not spend it. Making sure that

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Speaker 1: work doesn't become an accidental cost center can help you

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Speaker 1: keep more of what you are working so hard to make.

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Speaker 1: Today's tip was inspired by Kristin of the Frugal Girl blog.

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Speaker 1: Kristin is in school to become a nurse, and over

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Speaker 1: the summer she worked at a nearby hospital. She packed

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Speaker 1: her lunches and snacks so she didn't have to buy

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Speaker 1: food from the cafeteria or the vending machines. She mentioned

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Speaker 1: hearing the saying from someone else that when you are

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Speaker 1: at work, you are there to make money, not spend it.

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Speaker 1: If you drink the free coffee rather than running to

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Speaker 1: a coffee shop, and you bring your lunch and snacks

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Speaker 1: rather than paying for what's on offer, you could likely

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Speaker 1: save ten dollars a day or more. Now, I will

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Speaker 1: admit that saving ten dollars a day on food or

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Speaker 1: coffee isn't necessarily a huge amount. That comes out to

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Speaker 1: about fifty dollars a week over a year, that is

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Speaker 1: twenty five hundred dollars, which, well something is probably not

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Speaker 1: going to make or break a lot of people listening

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Speaker 1: to this podcast. But on the other hand, since you

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Speaker 1: spend after tax money, not spending twenty five hundred dollars

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Speaker 1: mindlessly is like landing the equivalent of a three thousand

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Speaker 1: dollars raise, or at least something like that. If you

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Speaker 1: got a three percent raise on a one hundred thousand

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Speaker 1: dollars salary last year, that would be like doubling your raise.

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Speaker 1: That's what happens when you remind yourself that you are

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Speaker 1: at work to make money, not spend it. In any case,

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Speaker 1: while I don't like to sweat the lattes or other

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Speaker 1: small things, I do think repeating this phrase might be

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Speaker 1: helpful to some folks because I do know that it

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Speaker 1: is easy to let your job become an unintentional cost center. Yes,

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Speaker 1: we all need to look presentable, Yes we need to

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Speaker 1: get to work, and yes we often need to eat

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Speaker 1: during the course of an eight hour work day. But

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Speaker 1: soon we are buying pricey clothes because we need to

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Speaker 1: look a certain way, or maybe we need to drive

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Speaker 1: a certain car so we don't stand out in the

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Speaker 1: parking lot, vending machine food or sodas just add insult

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Speaker 1: on top of this, because not only can these items

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Speaker 1: be expensive, they are almost universally terrible. Kristen posted pictures

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Speaker 1: of her lunches on her blog, and they looked really good.

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Speaker 1: She'd bring cut up produce or salads or leftovers and

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Speaker 1: lovely little metal tins. It hardly looked like deprivation. Look

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Speaker 1: better than a vending machine, soda and a caddy bar.

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Speaker 1: Telling yourself, I'm here to make money, not to spend

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Speaker 1: it can be a reminder of the primary purpose of

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Speaker 1: a great many people's jobs. We all hope to love

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Speaker 1: our jobs, but most people wouldn't do their jobs for free.

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Speaker 1: Making money is a key benefit to this transaction. So

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Speaker 1: if that is the case, best not to let the

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Speaker 1: job become an unintentional cost center. If there is a

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Speaker 1: good reason for spending money, well so be it. A

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Speaker 1: planned lunch at a restaurant with your colleagues every Wednesday

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Speaker 1: is perfectly fine, and building relationships is probably worth the cash.

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Speaker 1: If that afternoon latte is the only thing that keeps

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Speaker 1: you from quitting your job, will be my guest. But

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Speaker 1: if we are talking spending money on a bag of

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Speaker 1: chips when you're hungry, rather than bringing a bag of

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Speaker 1: pretzels from home. Well, that's a different matter. The goal

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Speaker 1: of a job is to end up with a lot

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Speaker 1: more money than you started with, not to see big

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Speaker 1: chunks of your paycheck disappear into the experience of having

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Speaker 1: the job itself. In the meantime, this is Laura. Thanks

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Speaker 1: for listening, and here's to making the most of our time.

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Speaker 1: Thanks for listening to Before Breakfast. If you've got questions, ideas,

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Speaker 1: or feedback, you can reach me at Laura at Laura

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Speaker 1: vandercam dot com. Before Breakfast is a production of iHeartMedia.

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Speaker 1: For more podcasts from iHeartMedia, please visit the iHeartRadio app,

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Speaker 1: Apple Podcasts, or wherever you listen to your favorite shows

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Speaker 1: and