Have you ever sat down and thought about your spending habits? Is there something particular that you treat yourself to almost every day, such as a coffee, a dessert, or breakfast on the go? Now, consider how much money you spend on this item every month. It might not seem like much at first, but small daily purchases can quietly add up over time. For example, how much money can you save if you stop buying coffee every day? This idea lies at the heart of what is known as the “Latte Factor.”
你曾經靜下心來想過自己的消費習慣嗎？是否有什麼特定的東西，是你幾乎每天都會買來犒賞自己的，比如一杯咖啡、一份甜點，或是邊走邊吃的早餐？現在，想一想你每個月在這項東西上花了多少錢。一開始看起來似乎不多，但每天的小額消費會隨著時間在不知不覺中積少成多。舉例來說，如果你每天不買咖啡，可以省下多少錢呢？這個想法正是所謂「拿鐵因子」的核心。
生活必備字詞：
treat oneself to... 用……犒賞自己
on the go 隨時隨地，在移動中（指某件事可以在路上、旅途中或不在固定場所時進行）
add up 積少成多
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本文節錄自《常春藤生活英語》雜誌，完整內容請見十二月號。
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