<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1"><url><loc>https://tendollarlatte.substack.com/archive</loc><changefreq>daily</changefreq></url><url><loc>https://tendollarlatte.substack.com/about</loc><changefreq>weekly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/join-me-on-a-september-life-reset</loc><lastmod>2026-09-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/stop-using-food-delivery-apps</loc><lastmod>2026-08-24</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/20-habits-i-learned-in-my-20s</loc><lastmod>2026-08-18</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/do-you-really-need-multiple-streams-of-income</loc><lastmod>2026-08-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spend-in-nyc-in-a-month-july-2026</loc><lastmod>2026-08-03</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-i-afford-to-live-in-nyc-on-under-4500-per-month</loc><lastmod>2026-07-27</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/should-you-donate-when-prompted-at-checkout</loc><lastmod>2026-07-21</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/influencers-arent-your-friends</loc><lastmod>2026-07-13</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-to-save-money-when-traveling</loc><lastmod>2026-07-07</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spend-in-a-month-in-nyc-june-2026</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/do-men-pay-the-singles-tax</loc><lastmod>2026-06-22</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/7-more-things-i-stopped-spending</loc><lastmod>2026-06-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spend-in-a-month-in-nyc-may-2026</loc><lastmod>2026-06-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/personal-finance-books-recommendations</loc><lastmod>2026-05-25</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/i-love-tracking-my-net-worth-especially</loc><lastmod>2026-05-18</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/the-ten-dollar-latte-net-worth-tracker</loc><lastmod>2026-05-17</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/my-mom-is-my-financial-advisor</loc><lastmod>2026-05-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/the-ultimate-guide-to-renting-in-nyc-part-2</loc><lastmod>2026-05-05</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spend-in-a-month-in-nyc-april</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/the-ultimate-guide-to-renting-in</loc><lastmod>2026-04-21</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-to-navigate-the-singles-tax</loc><lastmod>2026-04-15</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/why-i-started-reselling-clothes-again</loc><lastmod>2026-04-07</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spend-in-a-month-in-nyc-march</loc><lastmod>2026-07-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/stop-spending-money-to-go-analog</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-much-i-spent-to-run-the-new-york</loc><lastmod>2026-08-16</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/tipping-confessions-how-much-i-tip</loc><lastmod>2026-03-17</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/15-free-things-to-do-this-spring</loc><lastmod>2026-03-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spend-in-a-month-in-nyc-february-2026</loc><lastmod>2026-07-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/i-quit-using-my-phone-while-falling</loc><lastmod>2026-02-24</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/my-personal-finance-routines</loc><lastmod>2026-02-18</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/i-dont-really-care-about-maximizing</loc><lastmod>2026-02-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spend-in-a-month-in-nyc-january-2026</loc><lastmod>2026-02-03</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/7-things-you-should-borrow-instead</loc><lastmod>2026-01-28</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/two-years-of-ten-dollar-latte</loc><lastmod>2026-01-21</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/are-we-going-too-far-in-the-name</loc><lastmod>2026-01-14</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/5-ways-im-making-my-money-work-for</loc><lastmod>2026-01-07</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spend-in-a-month-in-nyc-december</loc><lastmod>2026-01-02</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-im-setting-goals-differently</loc><lastmod>2025-12-23</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/my-no-spend-low-spend-and-high-spend</loc><lastmod>2025-12-16</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/2025-spending-wrapped</loc><lastmod>2025-12-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/the-2026-ten-dollar-latte-budgeting</loc><lastmod>2025-12-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spend-in-a-month-in-nyc-november-2025</loc><lastmod>2025-12-02</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/feeling-thankful-when-youre-a-little</loc><lastmod>2025-11-24</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/i-spent-680469-to-move-in-new-york</loc><lastmod>2025-11-17</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-much-i-spent-to-run-the-2025-nyc-marathon</loc><lastmod>2025-11-11</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/october-spending-recap-ee4</loc><lastmod>2025-11-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-i-won-the-new-york-city-housing-lottery</loc><lastmod>2025-10-21</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/september-spending-recap</loc><lastmod>2025-10-07</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-to-get-out-of-a-budgeting-slump</loc><lastmod>2025-09-17</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-i-spent-985707-last-month</loc><lastmod>2025-09-02</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/five-things-to-consider-with-a-new-job-offer</loc><lastmod>2025-08-19</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/july-spending-recap</loc><lastmod>2025-08-05</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/june-spending-recap</loc><lastmod>2025-07-03</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/mid-year-recap-best-and-worst-purchases</loc><lastmod>2025-06-24</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-much-do-you-spend-to-work-out</loc><lastmod>2025-06-11</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/may-spending-recap</loc><lastmod>2025-06-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/i-left-social-media-one-year-ago</loc><lastmod>2025-05-23</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-much-should-you-keep-in-your-emergency-fund</loc><lastmod>2025-05-15</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/slow-goals-for-summer</loc><lastmod>2025-05-08</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/i-spent-more-last-month-than-i-have</loc><lastmod>2025-05-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/i-spent-466791-going-out-last-year</loc><lastmod>2025-04-23</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/spring-cleaning-isnt-just-for-your-home</loc><lastmod>2025-04-16</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/its-okay-to-do-things-alone</loc><lastmod>2025-04-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/march-spending-recap</loc><lastmod>2025-04-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/10-cheap-or-free-things-to-do-in-nyc</loc><lastmod>2025-03-25</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/can-good-spending-turn-bad</loc><lastmod>2025-03-18</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/7-things-i-stopped-spending-money-on</loc><lastmod>2025-03-12</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/if-life-feels-chaotic-schedule-your-dream-week</loc><lastmod>2025-03-05</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/february-spending-recap</loc><lastmod>2025-03-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/you-cant-fit-happiness-into-a-cost-of-living-index</loc><lastmod>2025-02-21</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/the-backwards-budgeting-spreadsheet</loc><lastmod>2025-12-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/whats-the-point-of-financial-independence</loc><lastmod>2025-02-13</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/10-frugal-swaps-that-are-just-cheap</loc><lastmod>2025-02-06</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/january-spending-recap</loc><lastmod>2025-02-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/one-year-of-ten-dollar-latte</loc><lastmod>2025-01-23</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/i-feel-bad-shopping-fast-fashion</loc><lastmod>2025-01-16</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/rethink-your-money-rules</loc><lastmod>2025-01-08</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-to-actually-achieve-your-2025-financial-goals</loc><lastmod>2024-12-31</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/five-things-i-want-to-buy-more-of-in-2025</loc><lastmod>2024-12-18</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/2024-spending-wrapped</loc><lastmod>2024-12-11</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/10-healthy-financial-habits-i-wish-id-started-sooner</loc><lastmod>2024-12-04</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/november-spending-recap</loc><lastmod>2024-12-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/the-anti-gift-guide</loc><lastmod>2024-11-14</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/setting-goals-when-you-feel-like-you-have-no-control</loc><lastmod>2024-11-07</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/october-spending-recap</loc><lastmod>2024-11-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/20-ways-to-save-money</loc><lastmod>2024-10-22</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/should-you-pay-more-than-your-friends</loc><lastmod>2024-10-15</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/making-it-in-nyc-when-your-apartment</loc><lastmod>2024-10-08</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spent-in-september-2024-monthly</loc><lastmod>2024-10-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/intentional-spending-on-vacation</loc><lastmod>2024-09-24</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/is-the-goal-to-spend-0</loc><lastmod>2024-09-17</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/making-it-in-nyc-an-account-director</loc><lastmod>2024-09-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spent-in-august-2024-monthly-reset</loc><lastmod>2024-09-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-much-should-you-give-as-a-wedding-gift</loc><lastmod>2024-08-26</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/intentional-spending-in-my-closet</loc><lastmod>2024-08-20</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/jealousy-jealousy</loc><lastmod>2024-08-13</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/making-it-in-nyc-a-marketing-manager</loc><lastmod>2024-08-06</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spent-in-july-2024-monthly-reset</loc><lastmod>2024-08-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/going-from-8hr-to-132000yr-to-10hr</loc><lastmod>2024-07-29</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-to-stop-buying-things-youll-regret</loc><lastmod>2026-03-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-would-you-do-with-10-million-dollars</loc><lastmod>2024-07-15</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spent-on-a-road-trip-to-maine</loc><lastmod>2024-10-08</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spent-in-june-2024-monthly-reset</loc><lastmod>2024-07-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/do-you-pick-up-spare-change-off-the</loc><lastmod>2024-06-25</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/a-hot-take-on-girl-math</loc><lastmod>2024-06-18</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/maybe-possessions-are-worth-more</loc><lastmod>2024-06-11</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/i-cut-my-screen-time-in-half-in-three-weeks</loc><lastmod>2025-05-19</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spent-in-may-2024-monthly-reset</loc><lastmod>2024-06-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/the-juicy-tracksuit-of-2024</loc><lastmod>2024-05-28</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/10-things-i-would-tell-myself-at-17</loc><lastmod>2026-08-16</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/a-guide-to-tipping-culture</loc><lastmod>2026-08-16</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/setting-long-term-financial-goals</loc><lastmod>2024-05-23</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spent-in-april-2024-monthly</loc><lastmod>2024-05-01</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/three-ways-i-negotiated-my-starting-salaries</loc><lastmod>2024-04-25</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-to-split-the-group-trip</loc><lastmod>2024-04-18</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/the-cost-of-college</loc><lastmod>2024-04-11</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/my-worst-financial-decisionsever</loc><lastmod>2024-04-04</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spent-in-march-2024-monthly</loc><lastmod>2026-07-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/backwards-budgeting</loc><lastmod>2024-04-02</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-i-found-my-rent-stabilized-apartment</loc><lastmod>2026-08-16</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/lessons-from-furnishing-my-apartment</loc><lastmod>2024-03-04</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-i-spent-in-february-2024-monthly</loc><lastmod>2024-04-02</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/how-i-overcome-financial-anxiety</loc><lastmod>2024-02-19</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/the-power-of-purposeful-purchases</loc><lastmod>2024-04-02</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/my-best-purchases-in-nyc-in-2023</loc><lastmod>2026-08-16</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/welcome-to-ten-dollar-latte-start</loc><lastmod>2024-05-23</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/january-2024-monthly-reset</loc><lastmod>2024-05-23</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/what-a-27-year-old-in-nyc-spends</loc><lastmod>2024-04-02</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/talk-about-your-salary</loc><lastmod>2024-04-02</lastmod><changefreq>monthly</changefreq></url><url><loc>https://tendollarlatte.substack.com/p/the-cost-of-renting-in-new-york-city</loc><lastmod>2024-04-02</lastmod><changefreq>monthly</changefreq></url></urlset>