For January (from Cindy's porch - you can see these at http://www.cindysporch.net/pages/2008goals.shtml)

1. Clean the handbag and dump the change into the piggy bank
2. Shop at home for food or whatever necessities FIRST
3. Get the Kitchen cleaned up
4. DO instead of BUY weekend

1. Do something different for March - be creative, etc. - BUT don't spend ANY $$$ on it!
2. Cook at home, Eat at home.  Make a menu.  Make shopping lists - then  - and here's the Important part - USE THEM!!!!
3. Begin to eliminate Credit Card debt - for this one go to http://www.cindysporch.net/pages/mon8chunkmore.shtml - Now some folks will pay off the one with the highest rate of interest - which has a lot of merit to it.  Just as does paying off the one with the smallest balance (so you can put THAT amount toward one of the others along with the usual payment on that one! Plus it makes you feel like you are actually getting somewhere!)
4. Pamper yourself - whether with a bubble bath or some quiet time on the back porch - sitting in the rocker ALONE!!!!

1. See how LITTLE you can spend during April!!!!  Least spent wins!!! (Not a prize from me - but in your account!)  Remember to track your spending.
2. This month - focus on LUNCHES - BAGGED lunches - I've tried her ideas - AWESOME!
3. Hmmm - and how is YOUR will????  Mine needs updating - maybe.  I've added one more house and changed some other things as well!  Might want to get this done since in many places if there is NO will - the state will automatically get HALF!!!!!  And the rest divided between spouse and kids.
4. Create a place where you manage your money.  And get it set up and ready for frequent use.