I took the latte factor challenge. And to be completely honest, I do not spend during the day. I eat at home in the mornings, I take my lunch and come home to cook dinner. I do not smoke or have any costly habit. What it did help me take a look at, was how much I was spending at the grocery store and Walmart when I could do without some things until a later date or all together. I really can’t put a $ on it but I have set myself a cash allowance for groceries and Walmart so that I will stop buying everything through my checking account when I want it. I also hope to start putting more away for my future. Thanks,
