Living by the Latte Factor

At the beginning of every year, it’s always the same mind frame – try not to over spend; it’s about time I spent wisely. It never works, or rather is works for a short while and then not, and then again for a while and then again not. A friend of mine recently brought to light ‘the latte factor’. I immediately assumed this had to do with cups of coffee but how daft was I.  

According to Modesty Money, the latte factor is unconscious spending on the little everyday things that do not add value to our lives. This got me thinking. I mean, who doesn’t unconsciously spend on a cup of coffee in the morning, or a chunky moist brownie in the evening, or a new stylish pair of shoes on whim? There’s also the weekly stash of snacks you buy just to munch on while you watch your favourite tv shows, the soft gummy candy, the luscious scented handmade soap, a new journal with a funky cover that all adds up to little everyday things that really don’t add much value to yours or my life.  

How does this little spendings every now and then cause a dent in your bank account? Here’s an example – a weekly cup of coffee from a decent café in town could cost you say Rs. 500. For a month, that’s you spending Rs. 2,000 and for a year that’s Rs. 24,000. The number may seem to surprise you, but this is just assuming it’s one cup of regular coffee a week. Say you have twice that amount a week? That’s Rs. 48,000 a year spent on cups of coffee alone. Bet you didn’t imagine that!  

I’m someone who loves to eat out. My best friend and I tend to try out new restaurants and cafes so we bust quite a bit of cash on food and drinks. It’s something we love to do so I feel it doesn’t really fall into the category of the latte factor but here’s an example of how overspending can really cause a dent in your bank account if you aren’t mindful about it. Let’s said a single meal costs you Rs. 1,500 at a decent restaurant, this may include a regular drink or iced beverage. Twice a week? That’s Rs. 3,000. For a month that’s Rs. 12,000 and for a year? A whooping Rs. 144,000. I’ll let that settle in before you read further.  

What the latte factor does is shed light on the dangers of habitual yet unconscious spending. Rs 500 here and there won’t look like much but with a bird’s eye view of your every day or every other day spendings, it presents a clear and yet scary image of your financial habits.  

Recognizing the latte factor and changing a few habits isn’t going to make you rich. What it’ll do is, regulate or somewhat discipline your everyday spending habits in the long run. In reality, putting a complete stop to our habits and things we enjoy buying is extremely hard. I’ve been trying for a week and well, I feel like a cheap dud but I know I’m just cutting down on unnecessary spending so I tell myself it’s okay. The occasional cup of coffee or new book is alright. You deserve it. You see, the latte factor isn’t about holding on to every last cent or rupee until you’re old and wrinkly; it just sheds light on the unnecessary parts of literally throwing away money for no good measure or with no meaning.  

According to Modesty Money, the latte factor is about looking at everyday spendings and cutting down on what does not bring you joy or has no proper value to you. That is what needs to be eliminated. Cancel that gym membership you’ve had forever because you’ve not been going. Don’t give it to the temptation of a sale just because the prices would be reduced. Don’t turn your home cooked meal away and run to the nearest best café in town just because you feel like it. Think about it. This is about curbing unnecessary spendings, saving your hard earned money and possibly even investing wisely.

Good luck!  

Still into prints :D

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It’s forever summer in Sri Lanka so I’m still in the mood for a ton of prints for the most part of the week whenever I go out. I just love bright colours when I’m in a happy mood (doesn’t everyone?) and I think it really brings out a lot of positive vibes too. What’s featured in this blog post is a top my mum got for me from a trip to India last year. It’s one of my absolute favourites. I believe the fabric is a chiffon and so it’s a bit see-through so I pair this with a black tank underneath. I just love the bold red and the added prints all over it. To be honest, it’s not an easy outfit for me to pair a shawl with because a shawl is a permanent part of my entire outfit. But I try to mix things around and also prints and pair this with similar coloured shawls.

The centre of the top has a different print and that is what is on the sleeves as well. It gives a kind of semi-casual but yet a bit dressy kind of vibe which I really like. I pair this almost always with a grey or dark pair of jeans, nude ballet flats and a printed shawl.

How do you pair your prints? Comment below and let me know 😀

Xoxo

Newbies from ALKE

Did I forget to mention that December is the month I go bonkers and bust up pretty much my entire bank account? In case I didn’t, there, I said it.

Sunday was the Colombo Design Market and I thought it would be nice to take my mum along with me to have a look at the stuff. She didn’t thoroughly enjoy it but my wallet certainly did. I ended up busting more cash on two beautiful handmade necklaces and an adorable notebook.

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Tear-drop pendant necklace

 

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Seashell pendant necklace

 

 

 

 

 

 

 

 

 

 

Aren’t these buys great? Yeah this is what I tell myself when I look at my empty wallet… sigh… but I do love these items very much and hey, I thought I’d gift myself a few things this year especially because my little in-house business has also been doing really well. Yay me!

So the two necklaces are by ALKE but unfortunately I cannot remember at which stall I got the adorable ice-cream notebook. It’s like the cutest thing ever and I’m going to be using it for something special, which I will mention sometime soon – this week possibly. As for the necklaces, I do not own anything like these two and well, I do like long ones because short ones do not show on my because of the shawls (scarves) I wear on a daily basis. I had my eye on the seashell necklaces for quite some time and I found the perfect opportunity to get myself one at the design market. As for the tear-drop pendant one, it was too cute to miss. It’s super long in comparison but I love that fact and I love the light airy pink shade of the pendant very much. I most definitely can pair these two with pretty much any daily casual outfit which is a definite plus point.

I think I should control my purchasing urges from now on. Sigh, yes. Okay.

Xoxo

 

Funky new shoes!

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I’ve been going insane this month with all the little sales and discounts at stores. This was an impulsive buy I tell you, but a good one at that 😛

My mum wanted to go for this seasonal sale at the convention centre in town and so I tagged along not wanting her to go by myself. Well, safe to say the sale was a bit of a bummer except for the fact that these shoes were the only thing that caught my eye and my wallet. They costed me just Rs. 1,200 which I must say was a bargain for such a cute and funky pair of shoes. I absolutely love the detail at the front and the back is open so it’s an easy to wear pair.

What’d you think? 😀

Colombo Design Market ’14

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Here’s what I love about Christmas – the fact that everyone gets together and all the awesome sales! 😀

The Colombo Design Market isn’t really Christmas related but I am sure a lot of locals will be doing a lot of their shopping on this day. This is a one day event and will be held at at the Laksala Museum on 14 Sunday from 11.am. onwards. This is a curated design market for homegrown designers, artists, craftsman, musicians and creatives to collaborate, create, showcase and sell their work.

If you’d like to know more about all the participants, check out their Facebook events page!

What I like to do on weekends

Sometimes I feel like the weekend flies by too soon. Then again, Saturday and Sunday tends to be kind of slow days too at times. It’s hard to really put a nail on it but oh well! It’s the weekend, Saturday is pretty much over for poor ol’ me in Sri Lanka and here comes Sunday.

Earl Grey, Mandarin and Honey iced tea
Earl Grey, Mandarin and Honey iced tea

I’ve realized that I love planning out my Saturdays. Usually I plan a lunch date with my friends or my husband because he doesn’t come home for lunch during the week. Lunch is usually at a favourite spot like the t-lounge by Dilmah or Coco Veranda. I have to almost always order an iced tea for myself because that has been my favourite drink for the past couple of months now. T-lounge actually introduces a bunch of new varieties every month so there’s always something new to try and it never gets old or boring for me. At Coco, it’s the quality of food and incomparable hospitality that I love and keeps me going back so often. Once lunch is over, I like doing a bit of shopping (mostly the window shopping kind). It allows me to ‘do something’ with my time between afternoon and evening and Colombo is swarming with so many new places and shopping outlets so there’s always some place new to check out. At the moment, the Arcade Independence Square is one of my favourite spots to spend a little time.

Other times, I LOVE going to Mondy because they always have clothes that fit me so perfectly and the choices are so chic. Another place I have been kind of loving is Cotton Collection. I got myself these oh so comfortable pants and I cannot seem to stop wearing them at home.

Independence Arcade
Independence Arcade

Since the weather has been a bit chilly for the past week or so, it’s lovely driving by Galle Face Green and also towards the Kotte side of the city. The sea breeze and calm blue ocean relaxes me as does lush greenery on the other side of Colombo. If the weather wasn’t so unpredictable, I’d actually enjoy a walk by Victoria Park or Independence Square. Unfortunately, Mother Earth is showing rain at random moments throughout the day so a walk is out of the question.

My husband tends to take an short nap after lunch, so I am to myself for a good hour or so by evening time. I love this time because it allows me to do a little bit of cleaning and tidying up in the room. I also make use of this time to catch up on some YouTube makeup video blogs. I’m so fascinated by how beautiful some women look but a bit disheartened by the ton of makeup products used on their face. How much makeup is too much? I personally do not use any foundation, concealer or BB cream so I honestly wouldn’t know how to answer this. My go-to makeup is a good kohl kajal or thick eyeliner and a good colour lip balm or soft matte lip cream. That’s just about it. Anything more than that for a casual day out is torture for me. I cannot for the life of me imagine applying a whole load of other makeup on my face, going out and then coming back home only to take hours to remove everything I had earlier applied on. No way is that happening!

At night, my husband and I love going out to dinner. When we come back, it’s movie night! This weekend we watched the Sex Tape which I kind of expected to be pretty funny and entertaining but was actually a bit of a let down. I guess I expected more but…. the screenplay and storyline could have been a lot better for sure.

As always, Sunday remains unplanned to some extent. I don’t always have good Sundays somehow. Something almost always goes wrong and puts me in a sour mood. Last weekend it was an awful tummy gas attack. The following weekend it was something else. Pfft! And as much as I love going out, I also love quality time at home and this is something my husband doesn’t always understand. He’s quite outgoing whereas I would take some time to settle down and be comfortable. So when I am in the mood for some home comfort, he finds me a little bit boring 😛

Sneaking a soft matte lip cream onto my personal collection :D
Sneaking a soft matte lip cream onto my personal collection 😀

I also run a little in-house business of my own where I get down makeup and cosmetics from the US and UK and sell them online to locals so I tend to have some customers come by to take a look at what I have in stock on Sundays. Mornings usually. I’ve been doing this for the past two years and I must say, I really enjoy it 🙂 I have had rough days doing this (some customers can be a bit demanding ha!) but overall, it does keep me happy. On both the plus and negative side of doing this, I get to shop online (yay) and bust a lot of cash (nay).

Occasionally I like to pick up a good book. This I like to do when my husband isn’t around because he bullies and disturbs me constantly. Ha ha, he isn’t a bad husband, just one seeking a bit of attention 😛 I like peace and quiet when I am reading so I do this when he’s off at work on a Saturday morning or when he’s taking a nap. The last book I read was over the last weekend and it was Gone Girl. No, I haven’t had the chance of watching the movie yet but I will soon. To those who have read and watched this, holy freaking hellllllll what in the world is the matter with that woman? And why in the world are they even together in the end? There’s a lot of things I don’t understand but it was a hell of an awesome read! Sorry for the spoiler to those who haven’t read it or watch it 😀

At this very moment, the weather is oh so lovely in the city of Colombo. My husband and I just drove around for a bit and got home – he straight to the bed for a nap, and me at my laptop and a book nearby. How have you been enjoying you’re weekend?

Xoxo