Most of us think of spending money in the least painful terms. I suppose that’s only natural. If we could see clearly how a simple purchase fits into the big financial picture, perhaps spending money on little stuff wouldn’t be quite so easy. In his book “Pour Your Heart Into It,” Starbucks coffee founder Howard Schultz says the average Starbucks customer spends $3.50 per visit and makes 18 visits per month. I’m fairly certain that most of these customers think of that as a series of $3.50 expenditures because it’s less painful than seeing it as a $756 annual expense, spent $3.50 at a time. Now, I am not suggesting the Starbucks is a habit that must be banished from your life. Not at all. What I’m saying is that if you’re going to spend it, stop trivializing it as an expense so small it doesn’t really matter. “It’s only …