[Aleta]

To jIM: What I got from Jeffrey's article was that if you saved the money and then go out and spend it; you haven't really saved anything. I also have toilitries budgeted, but if I have a coupon, I give that money back to myself and set it aside to put it into a savings account. I also do that with my prorated utility bills. If I have anything left over at the end of the year, I put it into savings.