The Latte Factor: Does it Work?

What’s better: saving money in small, incremental ways or in big, sweeping changes? That’s the big difference between Trent’s The Simple Dollar and Ramit’s I Will Teach You To Be Rich.
These are two of the top personal-finance sites on the Net, and since I’m such a Ramit fan, I usually side with him. Yes, small changes can make a difference, but they aren’t as effective as the big things like making more money instead of not drinking coffee every morning to save $2/day.
I bring this up because Patrick has a post about going beyond the latte factor over on Cash Money Life that piqued my interest.
It’s all about small changes that can save quite a bit of money. As I ran down his list, I realized I’ve been doing most of these things for a while so I decided to tally them up and see how much I’ve actually saved.

