You’ve heard of the Latte Factor, right? (If you haven’t, go read Desirae’s post from last week, it’s awesome).
Basically, the Latte Factor is the concept that spending money every day on small things (like lattes) adds up to big amounts of money spent over time. It’s controversial though, because people have different ideas about whether spending those small amounts every day is bad money management or worthwhile spending.
Reading about the latte factor got me thinking though… not about the small amounts of money I spend in a day, but about all the small amounts of money I save. Continue reading “My Top 15 Frugal Wins”