My Latte experience happened because of a misunderstanding between my credit union and me. I had been saving $150.00 from my check each pay period and I decided to call the credit union and have them increase it to $200.00 each pay period. Well they misunderstood and now started taking out an additional $200.00 for a total of $350.00 each pay period or $700.00 a month. Imagine my shock when my paycheck came and I had $200.00 more deducted instead of the addition I had requested. After I came out of shock, I thought you know, let’s try this. One tends to spend what they have! Well to make a long story short – I continue to have the $350.00 taken out each month and love it!!! It’s amazing, I don’t even miss it!!! Moral of the story – we spend what we have!!! And we can live on a lot less!