Q Over a seven-day period, write down every penny that you spend, and what you buying. Include in your analysis, the monthly expenses you identified earlier in the course. Examine your analysis. What patterns do you see? What is your latte factor? That is, what might you be able to sacrifice, in favor of plowing more money into your savings? Now that you have identified areas of savings, how might you be able to make the savings automatic? Does your employer have a 401K savings plan? Or, instead of asking for new clothing at holidays or birthdays, might you ask your Grandparents for gifts such as a savings bond, or a silver or gold coin? Share examples in support of your response.