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Oprah's Debt Diet
Steps & Tools
Q&A with the Experts
Success Stories
Meet the Families
Featured Video
Step 4: Stop Spending
People Who Saved Big Money
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Before and After Oprah's Debt Diet
The Bradleys
The Egglestons
The Widlunds
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Oprah's Debt Diet
Step 2: Track Your Spending and Find Extra Money to Pay Down Debt
The Latte Factor® Calculator

Print this page after you've used the calculator.

After you have tracked your expenses for a day, plug them into this calculator. See how much money you could be putting towards paying down your debt if you cut out the small stuff!
Category Cost
Coffee/Tea: $
Bottled Water/Soda:   $
Eating Out: $
Cigarettes: $
Soda: $
Vending Machine Snacks: $
Candy/Gum: $
Newspapers/Magazines: $
Long Distance/Cell Phone: $
Kid's Lunches: $
Gas/Fares/Tolls: $
Other: $
Other: $
Total Monthly Latte Factor®: $
Every month, if you put your Latte Factor® towards paying down your debt, in one year you could pay down: $
Now, find out how much your savings could be worth if you invested your Latte Factor®.
Try The Latte Factor Calculator
Please enter years etc etc
Dollar amount you'd like
to save/invest periodically
How often will you
make this contribution?
Annual rate of return
you expect to earn
Number of years the
investment will be held
Your Latte Factor® savings
could accumulate to
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Please note: This is general advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio. Harpo is not responsible for any losses, damages or claims that may result from your financial decisions.

Reprinted from The Automatic Millionaire, by David Bach, by arrangement with Broadway Books, a member of Random House.

Latte Factor® is a trademark of FinishRich Inc.

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