[boothev]

I struggle with this myself. I have no savings, so last payday, I paid myself $25 for the first time. (We have a household income of $45k, but DH is a Stay At Home Dad with toddlers, DD and DS.) I have DH out delivering pizzas in the evening, but the tips are nowhere near where they used to be when he delivered in HS in 1985. No one tips anymore!

DH tells me over and over again that many people hold out their hand to get their penny change. He hands them a nickle and tells them to keep it. If they need that penny THAT badly, they can have 4 more!

Anyway, I digress. I guess $1,000, has a lot of $25 deposits in it. $50/month for 20 months, is that right? Ugh.

Luckily, we only have 1 CC for $1,500. The Credit Limit is $1,500. If I can't control myself with that, then I have no business getting any other CC's! LOL!

Good luck!