Category Archives: Budgeting 101

How Little Expenses Add Up and Cost You

I’m sure most of you have heard of the “Latte Factor” at some point. It’s supposed to illustrate that having a somewhat inexpensive daily spending habit can add up to thousands of dollars down the road.

It’s not false, either. If you’ve never stopped to track your spending, you could very well be spending close to $1,000 on coffee per year. Or $2,000 on fast food. Isn’t that a bit scary?

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How to Plan Ahead With Your Budget

How often do you really plan ahead with your expenses? Do you take it month by month, or more like week by week? Do things like doctors appointments, car maintenance, and birthdays take you by surprise and put a cramp in your budget?

It’s not fun when things pop up that you actually should have anticipated, but it’s easy for things to fall through the cracks when we’re all so busy just trying to keep up with the day-to-day.

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