I will not spend money on these things ❌

There are five things that I refuse to spend my money on as a personal finance educator. Let's get straight into number one which is cars. Now, I've got a car. It's a Renault Clio 2012, I believe. And it does exactly what I need it to. It gets me from A to B and it costs me nothing per month. Now, for as long as this thing does run, I will run it. However, I do know that one day it will die and I will need to get myself a new car. I want to get a new car at some point. However, I will not be buying a brand new car. Losing 10 to 30% of its value, the minute it drives off the lot. Yeah, that's not a smart money decision. Number two two is luxury clothes. Now I have one or two items in my wardrobe that have been bought for me as gifts, but when I'm buying clothes for myself, I would much rather buy a quality piece of clothing that does not have the label, which would cost me a fraction of a price of a designer brand that's the exact same thing with something stuck on the chest. I don't know what is, but saying someone like Stephen Barrell or Steve Jobs who were the same item of clothing every single day, makes me think why do I need to be so special with designer clothing? At the end of the day, designer clothes is a signal of wealth and I would much rather keep my wealth quiet. Number three is actually full price items. Now, don't get me wrong. If I want something and I need to buy it and it's full price. I'll go ahead and purchase it. But whatever I can, I will either be looking for discount codes, cash back or rewards with my credit card or I will just wait until eventually it does go on sale because I genuinely do believe that anything that you do want to buy, you can find for less than full price. Number four, my current account. Now this might confuse a lot of people, but I effectively see any place that I move my money into as spending my money and most current accounts offer you nothing in exchange for storing that money. Zero interest. I would rather simply move that money into a high interest savings account easy access. So even if it's a tiny amount earning a little bit of I know that it's working hard for me. And number five is a daily coffee. Now, if you are someone that needs a daily coffee on the way into work in order to give you that a little bit of happiness, I'm not here to judge you, but for me spending 4 pounds on a coffee that I know cost such a tiny fraction of that is something I can't wrap my head around. I'm more than happy to buy a coffee here or there, but the daily ones that I know a lot of people go to, I would just much rather stick with the granola stuff. Anyway, that's my money less. What's one thing that's on your own?