Mocca Factor

Latte Factor, associated with small purchases that you spend your every day without thinking. This routine can purchase magazines, coffee, toys, cigarettes or small items that you just think quick when purchased periodically.

Ignoring the slightest expenditure per day for the future may bring changes in the accumulation of wealth and life from time to time. We never really realized how much we spent to purchase things that seem insignificant.

If we really thought about it and change our habits a little, in fact we might be able to change destiny. Still not sure about that..?

Consider the following:

It is all in rupiahs rate...

• Rp. 25.000 per day (average price of a cup of coffee) x 5 days (unless you also work on Saturdays) = Rp. 125.000 per week.
• Rp 125.000 / week = Rp 500.000 / month

Assume the price of coffee has not changed (which is not possible do not change).

• 1 year = Rp. 6,000,000
• 2 years = Rp. 12,000,000
• 5 years = Rp. 30,000,000
• 10 years = Rp. 60,000,000
• 15 years = Rp. 90,000,000
• 30 years = Rp. 180,000,000
• 40 years = Rp. 240,000,000

Assume also that you are using the same amount of money to invest in a spread portfolio in general, with the assumption of 6% per year then the money is Rp. 500.000 if invested will result in:

• 1 year = Rp. 6,681,763
• 2 years = Rp. 13,775,642
• 5 years = Rp. 37,792,100
• 10 years = Rp. 88,767,980
• 15 years = Rp. 157,526,803
• 30 years = Rp. 554,112,315
• 40 years = Rp. 1,078,724,148
• So, take action starting today!

First, you need to identify what your Latte Factor. The best way to find out is to monitor your expenses for one full day. Once you know where your money is and how it absorbs Latte Factor your finances, use the Latte Factor calculations are available here to see how much you can save for a few years.

Posted in: Insurance,My Review