They say hustling isn’t easy, but we disagree. The trick is to tackle big picture goals with small steps, as opposed to imposing multiple small picture goals that require too much discipline. When a goal takes too much work, most of us tend to stop working at it altogether instead of moderating it. For instance, how many times have you heard of people going on an extreme diet and ditching it completely when it gets too hard? They could have made more progress simply by cutting out bread every once in awhile, right? But the natural human tendency is to say “forget this goal” instead of “let’s take this goal down a notch.”

The same goes for financial hustling. If you tell yourself you’re going to cut out Starbucks forever, never go to happy hour, unplug all your lights and take cold showers, you’re probably going to be really unhappy and give up.

So don’t do that. Instead, set goals you can actually achieve.

We want to flip the script and call BS on those lists that tell you to suck the fun stuff out of your life in order to save a buck. You can save cash without living like a monk. Here’s how.