milk and sugar ( if you like that). If you bring a reusable cup, most places will refill it for $.99 so that is $10 per week or $40 per month. By drinking you coffee at home in the morning and using the refill option, you would end up spending about $64 a month for your coffee vs $80. $16 a month is not a huge savings But it is equivalent to a reasonably priced meal at restaurant, or about 4-5 gallons of gas for your car. If you usually get lattes or other things that cost more, then your savings will be more.