Skip to main content

Our Latte Factor

Some of you might asked, what is Latte Factor? I was introduced to it by Mr. Fruitheart who read a book written by David Bach - 'Smart Couples Finish Rich'. The book teaches couples of all ages how to work together on their finances as a team. You can go to his website David Bach - Live Rich.Finish Rich. Some of his advise and method are useful to us Malaysian. Not all in his books we can fit into our daily lives.

~The Latte Factor is a metaphor for those unnecessary "little" expenditures that we waste our money on, without realizing how much they add up to. What keeps us living from paycheck to paycheck is that we spend more than we make on stuff we don’t need. The amount you are throwing away on non-essentials is your Latte Factor. If you were to take that money and devote it to savings, before you know it you’ll start building a fortune!~

Why am I writing this? I wanted to share what we have started doing and still continue with it. Seriously, it gives us the excitement to see our money grow. Your latte factor could be your expenses on cigarettes, coffee, snacks, newspapers, magazine, fast/junk food and the list goes on.

Here is how we do it, example our lunch latte. We allocated each of us RM10. Normally, we spend RM6 or RM7 a day. So we will have balance RM 3 or RM4. At the end of the week we would have RM30 (RM3 for example). At the end of the month, we would have RM120. So in a year, we have RM1440. Yes!! We can go shopping, or pamper ourselves.

You can do that too on other expenses. By doing this, my beloved Mr. Fruitheart had quit smoking. Because he really could save a lot. And now when the ciggie price is up to RM10 per box.. just imagine how much you can save per month. Let's say RM160? That's a lot right.

Image credit to Google

We don't even realize how much we're actually spending on these little purchases. If we did think about it and change our habits just a little, we could actually change our destiny.
2 comments

Popular posts from this blog

ASTRO: Just Because of RM10.45

On last Thursday, we had an issue with our ASTRO. We reached home and as usual, kiddo switched on the TV and click on her fave channel. However, there was a message:

We apologise for the service interruption. To resume service please SMS: Astro RCO XXXXX(Smartcard number) and send to 66688. For customers in Brunei, please call 151. (TCI)

So I sent an SMS, and got a reply:
RM0.00 You are currently not eligible for this transaction. Please make payment immediately to enjoy full ASTRO services again. Thank you.

Our ASTRO has been barred?? Mr. Fruitheart checked our history payment and confirmed we had paid. So, I had to call ASTRO. I called the toll free line and since I'm using the ASTRO IPTV, I was being transferred to another line.

I asked the customer service representative to check and she told me our ASTRO account has an outstanding payment. I was like WHAT? Outstanding payment? How much? Oh no! Did Mr. Fruitheart paid to the wrong account? Because I had 2 under my name.

Surprisingly…

Confinement Packages / Pakej Berpantang

During my last pregnancy, I hired a confinement lady (CL) from Jemari tradisional to take care of me after I delivered my baby girl. This time around I have not decided yet where I will be staying during my confinement days and not sure if I will get the same CL from JT.

So, I have started to search for confinement lady / confinement packages / post natal packages / post natal care/ penjaga pantang / pakej pantang / pakej urut bersalin on the Internet. I found few that looks OK but some of the websites were not updated. I do not know if they're still on business.

So here are the lists:
1. Jemari Tradisional - http://rawatanbersalin.blogspot.sg/ (last update Monday, 30 July 2012)
1. http://penjagapantang.wordpress.com/ (last update May 6, 2012)
2. http://inaurut.blogspot.sg/ (last update Tuesday, 23 April 2013)
3. http://cintasari.com/services_post_natal.html
4. http://dnatasyaayu.blogspot.sg/2013/01/pakej-pantang-2013.html (last update Tuesday, May 7 2013)
5. http://sirehqaseh.blogspot.sg…

Dilemma: Taska / Nursery for The Girls

We're back to square one. Scratching our head, thinking hard and have to make an important decision. My sister can no longer take care of my girls, she has accepted a job offer in KLIA2.

Definitely not going to hire another helper. I do not want face another headache, frustration and have stranger into our house. It would also cost us thousands of Ringgit again which we don't have. Now we're considering sending the girls to a childcare centre. Choosing a childcare centre is NOT easy. Reliable and registered are normally full.

I had done my research on the Internet, browsing the JKM website looking for registered taska / nursery. I called few places and they are no longer accepting new entry.

I had called this centre named Taska Umi Setia Kasih in Danau Kota. I prefer this taska since it is close to kiddo's transit house and school. It is also close to my in law's house. And it is just opposite the police station. Aha. There is a place for Arissa, but I have to wait fo…