Latte factor refers to people's habitual spending like buying a cup of coffee every day, such as a cup of latte after lunch every day, 7 yuan handling fee for cross-bank withdrawal, 20 yuan who rented a DVD for one day overdue, two pairs of jeans bought at the mall for promotion, three eye shadows found online, and a fitness card that was paid but not really used. These wasted money may make them rich.

The latte factor is actually reminding everyone to do some subtraction for life and let consumption return to rationality and heart. Don't let your life process "live for others" for the sake of fashion and face. We should all make more rational judgments, control our pockets reasonably and plan our future life.

Extended data:

Understand the significance of latte factor bookkeeping

Although many people clearly know the importance of bookkeeping, in the family life of ordinary people, the proportion of bookkeeping is far from as high as expected. Even if you really have "great ambitions" for a while, it is usually "three big fish for two days." Besides feeling troublesome, the biggest problem is that I don't know what the meaning of bookkeeping is.

In fact, the significance of bookkeeping can not be revealed in a day or two. Only by keeping accounts for at least two or three months can you find out where your expenses are, such as dressing, eating and socializing, so that you can clearly see which expenses can be saved and which expenses can't be saved, and you can make a more reasonable financial plan for yourself.