David,
I am in the process of reading your book and I am at FIND YOUR LATTE FACTOR AND DOUBLE LATTE FACTOR. I am a mother of eight little children and I could not figure out where my money was going. I started the worksheet and determined that every morning I arrive at work I purchase a bagel with cream cheese and a small coffee for $ 3.72 per day – 5 days a week – 52 weeks out of the year. I am literally spending about a $1,000 per year. Once I realize what I was spending on my morning treats – I immediately begin depositing $20.00 a week into the household account – within three months I had saved over $300.00. Now when a go for my weekly shopping at the Supermarket I buy 4 – packs of bagels for .99 each and a container of cream cheese – a large container of coffee… This adds up to only $ 15.00 per month compared to $ 80.00 per month – What a revelation….This is my Latte Factor..