Latte factor: Habitual spends may cost you
Small habitual spending done consistently can put a large dent in your finances over the long term
Latte Factor Calculator is designed to show you just how much you are spending on a small habit, and how much it adds up to over time
Most of us have that one small habit or guilty pleasure that we just can’t quit. Whether it is treating yourself to a cupcake from your favourite bakery every few days or catching a movie every weekend, the supposedly small spends can add up really fast. Many people don’t provision for such spends simply because they don’t consider them big enough, but in reality, small habitual spending done consistently can put a large dent in your finances over the long term.