I really hate the 'latte factor'.
We were talking about this at work the other day, and I pointed out that I don't drink coffee, so it's an instant turn-off.
'So what would you cut back on?' I was asked.
Truth is, I don't have an equivalent. I don't regularly spend on anything. I don't have anything I could easily or obviously cut back on like a daily coffee. Most of my days are no-spend days.
For me, it's always been about the infrequent but big ticket buys. Mostly travel, with a bit of a concert-going phase.
