MONEY SMARTS: The latte factor

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Who doesn't love to indulge in a little Starbucks treat every now and then, right?

Well, here's the thing. While our favorite specialty coffees and drinks seem like cheap rewards, they can really add up over time. The average latte costs $4. If you invested that amount each time, you could actually make money instead!

Don't even drink coffee? Well, that doesn't exactly mean you aren't spending on other frivolities. Take a hard look at your bills and see if there are any little habits you can change or cut back on.