You say you know where your money goes and you don’t need it all written   
   down to keep up with it? I issue you this challenge. Keep track of every penny   
   you spend for one month and I do mean every penny.   
      
   You will be shocked at what the itty-bitty expenses add up to. Take the total   
   you spent on just one unnecessary item for the month, multiply it by 12 for   
   months in a year and multiply the result by 5 to represent 5 years.   
      
   That is how much you could have saved AND drawn interest on in just five   
   years. That, my friend, is the very reason all of us need a budget.   
      
   If we can get control of the small expenses that really don’t matter to the   
   overall scheme of our lives, we can enjoy financial success.   
      
   The little things really do count. Cutting what you spend on lunch from five   
   dollars a day to three dollars a day on every work day in a five day work week   
   saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus   
   interest.   
      
   See what I mean… it really IS the little things and you still eat lunch   
   everyday AND that was only one place to save money in your daily living   
   without doing without one thing you really need. There are a lot of places to   
   cut expenses if you look for    
   them.      
      
   Set some specific long term and short term goals. There are no wrong answers   
   here. If it’s important to you, then it’s important period.   
      
   If you want to be able to make a down payment on a house, start a college fund   
   for your kids, buy a sports car, take a vacation to Aruba… anything… then   
   that is your goal and your reason to get a handle on your financial situation   
   now.   
      
      
   Read More!   
   http://www.giuelith.com/article.php?id=1667   
      
   --- SoupGate-Win32 v1.05   
    * Origin: you cannot sedate... all the things you hate (1:229/2)