Thursday, August 28, 2014

money talk: the latte factor

Did you hear that Starbucks' pumpkin spice latte is returning early this year? (fall 2014 is going to be so wonderful!) To be honest, I don't think I've had one since forever... but I might just grab one this week and pretend it's fall.

Let's talk the catchy-termed "latte factor". Latte factor is the idea that little everyday purchases can add up to a big lump sum. If you spend $5 a day on these, your lattes are costing you around $25,000 in ten years.

I set up my budget in weekly increments. Since I have a rough idea how much I spend a week (it's mostly groceries and restaurants) I give myself little wiggle room for treats at coffee shops and trinkets like nail polish and hand creams (a dental student can never have enough of those!!!).

I'm sure if I saved up these loose changes I would save thousands of dollars a year. But these little buys are my treats, a little bit of luxury in my dental school budget.

So I'm curious... what's your "latte"? Are you a stickler when it comes to saving as much as possible or do you allow little indulgences now and then? Do you like to buy small treats or save up for the big buffalo?


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