This is a sponsored post brought to you by EverywhereAgency.
All thoughts and opinions expressed are honest and my own.
I will never forget when my husband first told me about “the
latte factor,” a term he read about in a book called “Finish Rich” by David
Bach. We were sitting on our couch inside the family room of the cozy two
bedroom apartment we rented shortly after getting married. I was still in my
scrubs, having just arrived home from a hellish day at work and even worse
commute home. As usual, I had rewarded myself with a caramel macchiato from
Starbucks on my ride home.
It was a pit stop that I made often, the barista knowing
exactly what I would order before I walked up to the register. It felt homely
and just like how the lady behind the counter at the dry cleaner knew my name
and how my husband liked his shirts starched, I liked the feeling of being
known, welcome and recognized. The latte was a bonus.
So, what is the latte factor exactly? It’s the simple idea
that the small, inconsequential things we spend money on every day add up to an
extremely large amount over time. It doesn’t necessarily speak to just lattes-
rather it could be the candy bought each day to snack on while studying or the
magazine subscription we haven’t yet canceled because “one day soon” we swear
we’ll get around to reading them, yet we continue to pay for it monthly. For me,
it just happened to be the actual
lattes I was unconsciously spending hordes of money on.
While I didn’t think twice about buying that $4 cup of
coffee, I quickly realized that, on average, I was spending $14.85 per week on
those lattes. Even worse, $59 per month and an astounding $700 per year, give
or take. That knowledge alone should have been enough to curb my habit but I
was none the wiser, despite knowing what “the latte factor” meant.
Fast forward several years, several kids and one less
income. The latte habit was a hard one to break, much harder when the stress of
raising children and keeping home crept in.
See, I’m an emotional coffee drinker. There’s just something
about the warmth and comfort found in that cardboard cup that soothes my soul.
I’ve tried and tried to replicate the taste and feeling that consuming one of
those lattes would give me by brewing my own coffee at home, doctoring it up
with various flavored creamers and sweeteners but I just couldn’t do it.
What started as a “special treat” for myself and the boys
each week became a downright habit made only worse when a drive-thru Starbucks
came to town and the baby started sleeping less and less. It wasn’t until one
afternoon, over lattes no less, that my girlfriend suggested I start using one
of those cash back reward programs for my habit. She explained how she had
started using hers for her daughter’s monthly subscription to ABCMouse and within several months she had earned nearly $100 cash back.
Up until this point, I had no idea that my bank, Bank ofAmerica, even had a cash back program. I hopped online and within minutes I not
only found BankAmeriDeals, their preferred cash back program for both credit
and debit cards but also I enrolled myself and was able to scroll through
numerous deals curated for me based on previous shopping interests almost
immediately.
I didn’t need a coupon or a punch card to start saving. The
app itself is ridiculously easy to use and I’ll admit, it’s kind of nice being
able to save money at stores I already shop at. I only wish I had realized this
kind of service existed with my bank earlier! If I have any advice to offer
you, it’s to check with your banking provider immediately to see if a similar
service exists for you and whether or not you would benefit from enrolling.
It might not seem like much at first but the 10% cash back
rewards I receive on all of my Starbucks purchases helps makes me feel a bit
less guilty about my habit. In a roundabout way, it’s a latte that rewards me for consuming it and I definitely can't argue with that. Take that, latte factor!


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