The latte factor is a small, repeated expense that looks harmless on its own: the mid-morning coffee, a subscription you barely use, the delivery surcharge. The problem is not each amount, it is the frequency: three euros a day is roughly ninety a month.
The most honest way to spot these expenses is not banning them, it is logging them. When you track every expense for a few weeks, they show up grouped by category and you can decide which ones are worth it. Some you will want to keep: the goal is spending with intent, not giving up on life.
If you use budgets, a simple tactic is giving them their own monthly cap (for example, in a leisure or treats category) and reviewing it with the 50/30/20 rule as a reference.