You did a pretty good job not buying "stuff" last year (2010). Way to go me!
BUT you spent WAY too much money on food.
We really need to do something about that.
Hey, I bet I could live off of $10 a day.
Yeah, I think I'll try that... wait, what about toilet paper, toiletries, cleaning supplies, and then there's gifts; birthdays, ect. Darn it, that stuff adds up fast!
Maybe I could set aside $2 a day for expenses other than food.
Well, $12 a day it is!
Today's goal number 10 of 45: Set aside $2 a day for future purchases. I did not do this aspect of my plan at all this year. Basically this means that I'll have a food/ spending envelope with $70 cash in it at the beginning of the week. I'll put $14 each Thursday into the future purchases cash envelope. That money goes towards bigger things like dog food, toilet paper, and birthday gifts. This year I am more willing to tweak the plan but I have to at least try it out before I can tweak it.
Ultimately I need to improve on my frugality. I need to really set my priorities and stick to them. I need to execute a really good strategy for really weak moments. So far I'm liking the 45. How does that scripture go again...
The plans of the diligent lead surely to plenty, but those of everyone who is hasty, surely to poverty.
I'm devising a plan. Sorry poverty, I have no interest in you!
45 Daily Goals for 2012
1. Balance the checkbook everyday
2. Get rid of something useless everyday
3. Throw some change in the Christmas jar everyday
4. Cash envelope it!
5. Cook everyday/ Don't eat out (one weekly allowance)
6. Stretch please
7. Write down EVERY purchase
8. Sorry, no coffee shop coffee today
9. Really sincerely thank someone today
10. Set aside $2 for future purchases