Now that I run my own art business from home, I don't have those daily temptations like I did working in an office. For example -- if the drink machine in the break room was freshly stocked, the chocolate milk called out to me, no matter what our budget was.
At home, it's easier to not have a latte factor, although I do love Oreos. And those are expensive. It's easier to just not buy them at all, get over the cravings, and keep the savings....but we cave occasionally. :)
Personally I am 18, I am looking to buying a house in Florida with cash, I will be graduating high school this year and am going straight into the work force, not because I am not smart enough for college or anything of that nature I find it more fitting to my lifestyle. I will be buying a house (with cash) in aprx. 3 years if nothing goes wrong. Then instead of paying insurance I will be investing a large chunk of cash each year into a (personal investment fund) and I will become personal insured by the time that I am 30. I will be living below my means and working most days instead of "living my life" but I will be debt free and I plan to live my life debt free, I feel if you don't have a mortgage holding you back financially then you have a better chance of becoming financially independent.
I rent 95% of my movies and TV shows from the library. No Netflix, very rarely do we get RedBox movies. We live next door to a public library and it has saved us hundreds, if not thousands, of dollars.
My partner and I were both raised with meat at all three meals, each day a week. For financial reasons, we now eat meat perhaps 3 times a week, at best. We get our protein from much cheaper (and healthier) places like beans and rice, quinoa, and tofu. Our friends think it must be hard to live without meat, but at this point we don't miss it, though we do appreciate it more when we have it! And over the years, we have saved hundreds (thousands?) of dollars by cutting meat from our daily menu.
My "latte factor" is a few dark chocolate covered almonds from the bulk bin at Sprouts every week. It's my one indulgence, both budget-wise and diet-wise. I enjoy every bite!
I gave up my car. I was spending $300/month for gas and insurance alone, not to account for maintenance and emergencies. I now ride a bike or take public transportation. Much less stress and money!
Getting a soda from the vending machine in my building. I don't do it that often, but I'm sure I'd save $10-$20 a year if I could resist the urge to buy one or remember to bring in my own.
Mine is expensive hair and beauty products. I'm trying to ween myself off of department store stuff and find stuff at target. After some research and trial and error, I feel an odd sense of pride that I found a cheaper hand lotion and conditioner.
I'm not a coffee drinker and have a Starbucks maybe twice a year as a treat. My latte factor would be soft drinks, bottled water & paperback books. I've given up the soft drinks except for 1 a week on Pizza Night. I bring water from home wherever I go and I get free novels from Amazon on my Kindle. I'm not sure how much this saves but it must be worth something~!
Latte factor is clothes shopping - yes, can and have given up in order to reduce debt and save. I always tell myself - that article of clothing might make me feel good for a moment but the guilt will last much longer!
LOVE THIS! i'm making a youtube video on my channel to promote the stopping of soda! Thank you so much fro the hepl! I will be sure to give you all credit!
Our latte factor would be books, magazines and movies. The last year or so we have been borrowing from the library and friends more often. Downloading free books from Amazon and other sites and getting mags from RewardsGold.com.
Chocolate. At one point I would have chocolate every day, at least a lit snack size, sometimes more, sometimes Hershey's, sometimes Godiva...it all depended on the mood, the time and the $$. Now it is definitely a rare treat!
Now that I run my own art business from home, I don't have those daily temptations like I did working in an office. For example -- if the drink machine in the break room was freshly stocked, the chocolate milk called out to me, no matter what our budget was.
At home, it's easier to not have a latte factor, although I do love Oreos. And those are expensive. It's easier to just not buy them at all, get over the cravings, and keep the savings....but we cave occasionally. :)
Candy bars at the grocery store
Personally I am 18, I am looking to buying a house in Florida with cash, I will be graduating high school this year and am going straight into the work force, not because I am not smart enough for college or anything of that nature I find it more fitting to my lifestyle. I will be buying a house (with cash) in aprx. 3 years if nothing goes wrong. Then instead of paying insurance I will be investing a large chunk of cash each year into a (personal investment fund) and I will become personal insured by the time that I am 30. I will be living below my means and working most days instead of "living my life" but I will be debt free and I plan to live my life debt free, I feel if you don't have a mortgage holding you back financially then you have a better chance of becoming financially independent.
Just a non-average high school student
Ps. High school economics is a JOKE...
I gave up lunch purchases at work.
I love drinking fountain soda, but I skip it out and have saved enough for a roundtrip flight!
I rent 95% of my movies and TV shows from the library. No Netflix, very rarely do we get RedBox movies. We live next door to a public library and it has saved us hundreds, if not thousands, of dollars.
I buy loose tea by the pound and it lasts for a few months. I brew at home and take it to work, I think I am only person where I work that does this.
Spontaneous grocery shopping was my latte factor. I now plan out each trip and meals and stick to a weekly budget, which saves about $125 a month.
My partner and I were both raised with meat at all three meals, each day a week. For financial reasons, we now eat meat perhaps 3 times a week, at best. We get our protein from much cheaper (and healthier) places like beans and rice, quinoa, and tofu. Our friends think it must be hard to live without meat, but at this point we don't miss it, though we do appreciate it more when we have it! And over the years, we have saved hundreds (thousands?) of dollars by cutting meat from our daily menu.
My "latte factor" is a few dark chocolate covered almonds from the bulk bin at Sprouts every week. It's my one indulgence, both budget-wise and diet-wise. I enjoy every bite!
I gave up my car. I was spending $300/month for gas and insurance alone, not to account for maintenance and emergencies. I now ride a bike or take public transportation. Much less stress and money!
Getting a soda from the vending machine in my building. I don't do it that often, but I'm sure I'd save $10-$20 a year if I could resist the urge to buy one or remember to bring in my own.
I gave up restaurants, except for Groupons which I already bought. We've probably saved at least $150 so far.
Walk instead of drive - you'll save a pile of cash in no time.
my irish grandmom made them..called kippers. actually quite good...going into kitchen for one now
Mine is expensive hair and beauty products. I'm trying to ween myself off of department store stuff and find stuff at target. After some research and trial and error, I feel an odd sense of pride that I found a cheaper hand lotion and conditioner.
I'm not a coffee drinker and have a Starbucks maybe twice a year as a treat. My latte factor would be soft drinks, bottled water & paperback books. I've given up the soft drinks except for 1 a week on Pizza Night. I bring water from home wherever I go and I get free novels from Amazon on my Kindle. I'm not sure how much this saves but it must be worth something~!
Latte factor is clothes shopping - yes, can and have given up in order to reduce debt and save. I always tell myself - that article of clothing might make me feel good for a moment but the guilt will last much longer!
The raspberry cream cupcakes will change your life. I promise. :)
LOVE THIS! i'm making a youtube video on my channel to promote the stopping of soda! Thank you so much fro the hepl! I will be sure to give you all credit!
Zero, I quit caffeine & I like not spending $ on it.
Our latte factor would be books, magazines and movies. The last year or so we have been borrowing from the library and friends more often. Downloading free books from Amazon and other sites and getting mags from RewardsGold.com.
Manicures and hair coloring. I've managed to resist both (well, I was stuck in the hair coloring rut for a year or two then quit cold turkey).
happy hour.
Chocolate. At one point I would have chocolate every day, at least a lit snack size, sometimes more, sometimes Hershey's, sometimes Godiva...it all depended on the mood, the time and the $$. Now it is definitely a rare treat!