Saving Small Amounts.

The latte factor was the core idea of a book by David Bach: https://www.amazon.co.uk/Latte-Factor-Dont-Have-Rich/dp/1982120231, In his book, David Bach tells a compelling story that played out how much money your could save if you cut out your daily coffee and invested it on a regular basis. I have to say, his extrapolation of the savings…

Pay yourself first

“We have become a society of indulgent consumers resulting in rapidly increasing debt both personally and as a nation.” L G Durand The first person you should pay when you get your salary is YOU. But wait, do the maths on that first because if you have debt then that is likley to be expensive…