[snafu]

the 1st 10% of any income, no matter the source,no matter the paltry amount, goes to savings.
At the end of the month, any funds less standard retention, is swept to savings.
I avoid paying interest; paid off mortgage in 12 yrs.
No shopping for entertainment; planned purchasing; appliance replacement a/c underway
To avoid waste, all meals have their 'plan-over' potential noted
At the end of each season I list what will be needed; will buy/replace via sale etc. over 6 months.
Will ask merchant when the item will be on sale, whether they give a discount for cash, will buy an appliance from dent/scratch/display section
Made window insulators from hotel black-out liners bought @ auction. Cut to fit, attached with velco tabs. Eliminated the need for AC
Paying strict attention to investment portfolio, double checking anything the newletter or advisor suggests. Takes time but I've been making money!