אם אני מבזבזת כסף על קפה כל יום, קשה לי לחסוך בסוף החודש.

מבזבזת is the feminine singular present-tense form of לבזבז (to waste / to spend wastefully).

So this sentence is being said by a female speaker:

• אני מבזבזת = I waste / I spend
• A male speaker would say אני מבזבז

In Hebrew present tense, the verb often shows the gender and number of the subject.

אם means if.

It introduces a condition:

• אם אני מבזבזת כסף על קפה כל יום... = If I spend money on coffee every day...

This is very common in Hebrew for if-clauses.

In Hebrew, the verb itself often gives the meaning of am / is / are in the present.

So:

• אני מבזבזת literally contains I + spending/wasting
• Hebrew does not usually use a separate present-tense form of to be like English does

That is why you do not say something equivalent to I am spend with a separate am.

It can suggest both, depending on context.

The basic idea of לבזבז is:

• to waste
• to squander
• sometimes to spend in a way that feels unnecessary or excessive

In this sentence, because it says on coffee every day and then it’s hard for me to save, the idea is closer to:

• wasting money or
• spending money in a way that prevents saving

In Hebrew, לבזבז כסף על... means to waste/spend money on...

So:

• כסף על קפה = money on coffee

This matches English fairly closely:

• spend money on coffee
• waste money on coffee

כל יום means every day.

Literally:

• כל = every / all
• יום = day

A useful contrast:

• כל יום = every day
• כל היום = all day

That extra ה in היום makes a big difference.

Hebrew often uses a structure that is literally more like:

• קשה לי = it is hard for me

This is a very common pattern:

• קשה לי להבין = It’s hard for me to understand
• קל לי לזכור = It’s easy for me to remember

So in your sentence:

• קשה לי לחסוך = It’s hard for me to save

לי literally means to me or for me.

It is made from:

• ל־ = to / for
• י = me

In expressions like קשה לי, English translates it naturally as:

• It is hard for me

So לי is not the subject. It marks the person affected.

לחסוך is the infinitive of חסך (to save).

After expressions like קשה לי (it’s hard for me), Hebrew normally uses the infinitive:

• קשה לי לחסוך = It’s hard for me to save

Other examples:

• אני רוצה לחסוך = I want to save
• צריך לעבוד = one needs to work
• קל ללמוד = it’s easy to study

The ל־ at the start of the infinitive is very common in Hebrew.

בסוף החודש means at the end of the month.

It breaks down like this:

• ב־ = in / at
• סוף = end
• החודש = the month

So literally: at the end of the month.

Hebrew often expresses time this way:

• בתחילת היום = at the beginning of the day
• באמצע השבוע = in the middle of the week
• בסוף החודש = at the end of the month

In Hebrew, when you say end of the month, you usually make month definite:

• סוף החודש = the end of the month

This is natural Hebrew. It refers to a known time period, much like English usually says the end of the month, not end of a month in this kind of statement.

Yes. It is in the present tense, but it describes a habitual action, not necessarily something happening right this second.

• אני מבזבזת כסף על קפה כל יום = I spend / am spending money on coffee every day

Because of כל יום (every day), the meaning is habitual:

• Whenever this is my habit, it becomes hard to save

Yes, Hebrew word order is somewhat flexible.

The sentence as written is very natural:

• אם אני מבזבזת כסף על קפה כל יום, קשה לי לחסוך בסוף החודש.

You could also say:

• קשה לי לחסוך בסוף החודש אם אני מבזבזת כסף על קפה כל יום.

Both mean essentially the same thing. The original version puts the condition first, which is very common.

In standard writing, yes, the comma is appropriate here.

Hebrew commonly puts a comma after an opening subordinate clause like one introduced by אם:

• אם..., ...

So:

• אם אני מבזבזת כסף על קפה כל יום, קשה לי לחסוך בסוף החודש.

This is similar to English:

• If I spend money on coffee every day, it’s hard for me to save at the end of the month.

Yes, depending on context, לחסוך can mean:

• to save
• to save money
• to economize
• sometimes to spare

But in this sentence, because it talks about spending money on coffee and then the end of the month, the intended meaning is clearly:

• to save money

The dictionary forms are:

• לבזבז = to waste / to spend wastefully
• לחסוך = to save

The sentence uses:

• מבזבזת = present, feminine singular
• לחסוך = infinitive

So a learner should recognize both the dictionary form and the form that appears in the sentence.