Dear Alice,
In your letter you ask to help you to change your habits and start economizing. I think, I can give you some advice.
First of all, you need to cut back on unnecessary spending. Avoid buying double latte coffee every morning on your way to work. It would be better if you get up a little bit earlier and prepare breakfast yourself. Omlette or porridge with a cup of coffee will provide you with good energy till lunchtime.
Next step is creating a budget for yourself and sticking to it. Think over how much money is coming in and how much of it is spent on unhealthy and expensive food during lunchtime.
The last advice I want to give you is being content with the simple things in life. Is it necessary to spend a lot of money in expensive restaurants? How about cooking a nutritious dinner rather than going out to the restaurant for food. Invite your friends to your place, try homemade food, turn on the music, dance and talk.
I hope I could help you. Good luck!
Yours,
Liliya