thanks, Chris, for the invite.
This goal is specially difficult if your income varies like mine, but maybe even more necessary in this case. Anyway, I managed to save about 15% of my (very small) scholarship in 2007 and it’s helping me a lot now. Maybe I’ll get a “normal” job this year…

Anyway, a couple of years back I was writing a list of exactly this kind of expenses. It went something like this:

• taxes
• insurance, according to your needs
• retirement
• dentists for everyone
• car maintenance, if you have one
• appliance maintenance (I’m the kind of persons who prefers to repair something if it’s just a fraction…)
• back to school stuff, when needed
• Christmas gifts (in moderation)
• birthday gift for my son
• birthday gifts for the parties my son will be invited to (again, in moderation)
• any other kind of celebration (anniversaries,...) or holiday
• Vacation if possible

I know there is too much “fun stuff” on this list, but that’s exactly the kind of stuff I tend to forget. Anyone wants to share?