For coffee as a regular fix, don't waste your money at the coffee shop, make it at home. But if you are in the mood for a special treat, or otherwise find yourself whiling away the hours in a coffee shop, refrain from the needless expense of a latte or even a cafe au lait. Instead, order black coffee and pour the milk in yourself. Sure the temperture will drop a couple degrees, but your wallet will remain robust. As an added bonus, fill the mug up with milk once the coffee is gone (or low, then at least it maintains a hint of coffee color, if like me you are concerned about sporting at least a veil of decorum).
FRUGAN - living sparingly with regard to the detriment of one's wallet, environment, climate, society, and general sense of well being.
[i.e. the years I lived as a dumpster diver in NYC]