Reduce your costs per hour.
This has nothing to do with the rate you earn hourly (annual income divided by 2,080 — or whatever denominator you choose). It has to do with how much it takes to sustain your current lifestyle. Think of it as your personal operating costs.
Gather all your yearly expenses, from rent and credit card bills to the estimated spend on cappuccinos and then divide by 8,765. Base it on 24 hours per day, because you may or may not earn money while you sleep, but you certainly burn through it. Besides, the number divided by 24 will be shocking enough.
Reviewing the cost of items equally against your earnings will snap new priorities into focus. Act on those new priorities this week.
