Small adjustments can have a major impact on health, personal finances, relationships, and pretty much any other aspect of your life. Especially when compounded over time. Cut out the afternoon coffee at an average cost of £3. Yearly gain = £1095. Set the alarm clock half an hour earlier. Yearly gain = 7.6 days. And it’s not just the extra money or time, it’s the compound effect of what you do with it instead.