Recognize the Latte Factor when shopping Online so as not to be wasteful – ClueWorks

Originally Posted by ClueWorks – Remote Worker International

Latte Factor
Tips to avoid the latte factor

Apparently, shopping online also has a side latte factor that is rarely realized. What is the latte factor? The Latte factor, according to David Bach in his book entitled The Latte Factor, is a small expenditure that can make our finances come up short.

The word latte is associated as a habit of today’s generation who love to spend time and money by buying coffee at CAF. It became a symbol of wasteful nature for spending money on unnecessary things.

Read also : 5 types of unconscious spare change expenses can make you bankrupt

However, the latte factor did not occur in the activities of hanging out in CAF alone. Even when shopping online, we can get caught up in the latte factor that we are not aware of. What’s an example like? Check out the following discussion yuk!

Shipping cost

When you shop online through marketplace or e-commerce, of course there are postage costs that you have to pay.

If you’re lucky, there are many marketplaces that provide free ongkir promos when transacting with a certain nominal. This does sound good and attract consumers to shop more in order to reach the minimum limit of Free Shipping.

However, if we look further, the Free Shipping promo does not guarantee you can be more efficient. Sometimes, shipping costs are borne only partially, the rest we still pay ourselves.

Especially if you shop from several different stores, the postage calculation will also be fragmentary. This is increasingly complicated because each marketplace applies different rules to be able to use the free shipping feature.

Without you knowing, the cost of postage you pay every month is quite large tablets. If from one store in the marketplace you pay postage worth 10 thousand rupiah, then you shop from 10 different stores, you’ve spent 100 thousand rupiah just for postage.

Sometimes, during the month we shop several times from several different stores. As a result, postage expenses can be more swollen. Especially if you use an instant Courier that costs much more.

For this reason, this postage fee is included in the latte factor when shopping online. So that you are wiser, you can do several ways.

For example, shop from the same store, choose a store distance that is close to the delivery address, and maximize the use of Free Shipping vouchers.

Interbank transfer fee

For those of you who are used to shopping online, of course one of the payment systems that are often used is online banking / mobile banking.

By using online payment, you can transfer some money only via mobile phone. Buying and selling transactions become easier.

However, this convenience is also followed by risks, one of which is the burden of interbank transfer fees. You may have to transfer money to a different bank account than yours. So, there is an administrative fee that you have to pay, generally of 6,500 rupiah.

Not only interbank transfer fees, some e-wallet applications also charge administrative fees when making transactions, both when top up the balance, when transferring to a bank account, and other transactions.

Indeed, the value is small, around 1,000 to 2,500 rupiah per transaction. But if in a month we fill the balance many times, and transfer money many times, the money spent can reach hundreds of thousands of dollars.

To get around this, you should have determined from the beginning, how much balance you want to fill in your e-wallet. Just one time top up, it is enough for your needs for a month. So, you only need to pay the administration fee once.

If you regularly transfer a certain amount of money to a different account, you can take advantage of the interbank transfer application that frees admin fees.

Although the limit and frequency are limited, this application will help you avoid the latte factor of banking transaction admin fees.

Food delivery fee

The development of technology does not stop at online shopping services in the marketplace, but for essential things such as food delivery can be done online.

You must be familiar with the application of online food delivery service providers. This is very helpful, especially in times of pandemic like today, when mobility outside the home has become very limited.

However, this food delivery service can cause waste if done excessively. Because, the price of food in the delivery application will generally be more expensive than the price of food when purchased directly at the store.

In addition, the cost of delivering cooked food is more expensive than the postage of the logistics courier of general goods. Because it demands speed in the delivery of food and drinks, it even demands special treatment, for example, it should not be tilted because it can spill.

Without you knowing, the postage of food delivery can reach hundreds of thousands of dollars per month. To avoid this latte factor, you can take advantage of discount promos available in food delivery provider applications.

If the promotion is not available, maybe you can try to learn to cook yourself at home. In addition to being healthier, you can save more if you process your own food at home.

Shopping online is easy and fun. Without complicated efforts, orders can be delivered to the front of your house, with just a touch of a finger on the screen of your cellphone.

But remember, be wise in transacting online yes! You can save a lot if the latte factor above you can handle well.

In fact, you can divert hundreds of thousands of expenses from the latte factor by having health insurance. Although both spend money, paying health insurance premiums will protect you from the risk of medical expenses.

Like health insurance Clue Works Simple Start, which you can have only by paying a premium of 198 thousand rupiah / month. The premium is affordable, the benefits are obvious, and of course it protects you from health risks. Come on, be wise in finance.

Thanks for visit clueworks, if u want to know more about us. See another article that we share, sure all actual and good information for y’all.

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