One of the perks of my job includes Vitality health insurance. Through Vitality, if I do a certain number of steps each week (recorded via my Apple watch), I can get a free coffee at Starbucks. It’s a nice little treat on weeks when I’ve walked enough to earn it. The problem is, even on weeks when I’ve not earnt my free coffee, I still find myself wanting one, particularly because there’s a Starbucks near my home that I walk past regularly. At £2.50 per flat white, there are of course more expensive habits out there but buying just one per week would still cost £130 a year. So what other options are there?