We’ve all heard of the latte factor, but are there some luxuries that you consider non-negotiable?

Oprah has a fancy latte factor calculator which shows you just how fast those little expenses add up and how much money we’re all potentially wasting.

Does this change your mind on those non-negotiables?

I like to give a daily rundown on where I spend my money. Maybe it’s the guilt of letting everyone know where my pennies go, but I think it helps keep me in check.

• $105 Costco
• $25 gas
• $8 Steak & Shake
• $35 Marsh
• $18 gas

The boyfriend and I had to have one last milkshake before we started our diets, hence the Steak & Shake. My grocery basket last night contained nothing but Lean Cuisine and water.