You've heard of it...The Latte Factor... it's that 5 bucks (or more) you spend every time you go out for coffee...
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If, like I have, your getting on the Spark Plan means that you're no longer spending $5 every time you head out for a coffee, start collecting that money in a jar, piggy bank etc & every now & then, use that money to buy yourself a reward for doing well on the plan...a new shirt, a piece of jewelry,
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Or to save money... every time you buy an expensive cup of coffee, (or eat out for lunch) you could put an equal amount in savings. For example, $5.00 for a large coffee = $5.00 in the savings account too. $9.00 for a lunch out with the office gang = $9.00 in savings... After a while, I bet the savings would really start to add up.
JIBBIE4911/16/2010 12:52:00 PM
I have always hated coffee, even the smell of it, since when I was a child, my mother, who was a hardworking woman, couldn't talk to us in the morning until she had a pot of coffee and three "smokes" and by that time, my brother & I had gotten ourselves ready & walked to the school bus. I swore I'd NEVER drink coffee or smoke as a result. LOL My brother still smokes and talks about all the money he's wasted on it in his life. Not me.
ZUMBAWITHTASHA11/15/2010 5:56:00 PM
I was a twice per day drinker at Starbucks... cafe' mocha in morning and a mocha frap later that day... if I collected and saved that money I would be able to buy myself a great reward.
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Free Valuable Financial Information Waiting for You at Your Local Library
Years ago I went to the library and checked out a book by David Bach titled: Single Women Finish Rich. Reading the book and doing various recommended exercises has totally changed my life and financial picture. The " Latte Factor" exercise was an eye opener and wake up call. He has a series a books....all of which are worth reading. Check him out.
She just had this on her show and I LOVED the fact of tracking all expenses the same way we track food to lose weight. We can't know where to save money if we don;t really know where it is being spent. "The Latte Factor": figure yours out...very surprising! www.oprah.com20
I have found that tracking my foods has been the biggest factor in my weight loss. It helps me to choose better foods and to decide if I am afford a skinny latte or not. It's hard to eat bad when you know you have to record the calories on paper later!!
SparkPeople member AQUAGIRL08 struggled with chronic pain unitl she decided to take control of her health through diet and exercise. She offers her best advice anyone dealing with pain.
