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Living a More Purposeful Life One Cent at a Time

latte factor

What Happened When I Tried to Stop Believing in the Latte Factor

October 29, 2018 by Penny 26 Comments
Is the latte factor real?

It started with a beverage. Of course it did. No, I’m not talking about an actual latte. Truth be told, I don’t drink coffee of any kind. Not even the kind that comes with a heaping of high fructose corn syrup and a caramel swirl. This was a Diet Coke. I had some time to … [Read more…]

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Posted in: Spend Tagged: earning, expenses, grocery, grocery budget, income, latte factor, shoes, splurges, Starbucks

When It’s Time to Recalibrate

September 5, 2018 by Penny 7 Comments

$140. That’s how far we went over our budget last month. In just one category. As far as our budgets go, it was a bloodbath. It was also proof that if I give myself an inch financially, I’ll take a mile. Or at least a few hundred dollars. Rather than wring my hands or cry … [Read more…]

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Posted in: Plan Tagged: fun money, grocery spending, latte factor, lifestyle creep, lifestyle inflation, needs, saving, savings, spending, wants

Why I’m Skipping Starbucks

June 25, 2018 by Penny 20 Comments

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Posted in: Save Tagged: budget, coffee, consumerism, environment, latte factor, mindful, plastic, plastic waste, reusable, reuse, Starbucks, sustainable, waste

Both is Best: We’re Asking the Wrong Money Questions

April 18, 2018 by Penny 13 Comments

Chocolate or vanilla? Cake or ice cream? Beach or mountains? Either/or questions might have their place when it comes to icebreakers or dating profiles, but they have also become incredibly pervasive in personal finance. Pay down debt or invest? Grow your income or cut expenses? Donate time or donate money? Focus on little leaks or … [Read more…]

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Posted in: Wonder Tagged: budgets, charity, debt, debt payoff, donations, giving, investing, latte, latte factor, mortgage, savings, spending, volunteering

The Real Problem With the Talk About Lattes

November 13, 2017 by Penny 31 Comments

The hill my generation has chosen to die on is a pyramid of latte cups with whipped cream and avocado toast on top. Millennials have made it clear time and time again that they will not tolerate anyone—not billionaires, not Boomers, not billionaire Boomers—telling them they can’t have their morning brew and drink it too. … [Read more…]

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Posted in: Wonder Tagged: avocado toast, coffee, education, latte, latte factor, millennials, poverty, students

Is $100 a Big Deal?

October 17, 2016 by Penny 77 Comments

Tim Ferriss. He’s out of touch. If you somehow missed it, there was this one time when he spitballed the fact that people have $5000 in disposable income to spend each month on his podcast. No, dude, they don’t. But he’s not the only person who might be out of touch with money. Last week, … [Read more…]

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Posted in: Save, Spend, Wonder Tagged: 50/20/30, budget, coffee, fun money, goals, latte, latte factor, spending, Tim Ferriss

A Lesson in Latte Factors, or Reaching Teacher Nirvana

February 18, 2016 by Penny 20 Comments

Latte factor: the total cost of your regular, nonessential spending to show how much you could be saving each year. “Look at all that money!” A student gasped, staring at her calculator in disbelief. Sure enough, that burst of excitement flagged the attention of several other students. “Money?” “What money?” “Whose money?” “Where did it … [Read more…]

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Posted in: Savings Tagged: kids, latte effect, latte factor, middle school, saving, spending, teenagers, teens

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