I've been doing real good, staying on the right track with not spending. But, to keep me there, I am going to start keeping a notebook and writing every penny I spend in it, including bills. Then, every week or so, I can go back thru it and put necessary or unncecessary and see what I missed on saving. All I pay is mortgage, utilities and my childrens tution.--Sometimes a sitter. I make good money, but I would like to see more go into savings. My cards are paid in full, and I paid cash for my suburban and RV. I just need to cut out some of the extras for mroe savings. But, I still want to have some fun too-like eat out Tues at Country Kitchen (.99 meals). I am starting my book now, on my lunch hour.