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.”
你曾经静下心来想过自己的消费习惯吗？是否有什么特定的东西，是你几乎每天都会买来犒赏自己的，比如一杯咖啡、一份甜点，或是边走边吃的早餐？现在，想一想你每个月在这项东西上花了多少钱。一开始看起来似乎不多，但每天的小额消费会随著时间在不知不觉中积少成多。举例来说，如果你每天不买咖啡，可以省下多少钱呢？这个想法正是所谓「拿铁因子」的核心。
生活必备字词：
treat oneself to... 用……犒赏自己
on the go 随时随地，在移动中（指某件事可以在路上、旅途中或不在固定场所时进行）
add up 积少成多
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本文节录自《常春藤生活英语》杂志，完整内容请见十二月号。
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