I opened a savings account with my bank with an beginning balance of $100. That’s a positive first step. I plan to put $200 in with each paycheck, but that won’t always be possible. I’ve decided that if I can manage $100 with each paycheck, that would do just as well. The main purpose for this account is in case I run into financial emergencies and I can’t work. I’m still trying to pay off my credit card debt, but that will take sometime.

Last night, the girl and I blew too much money away on a night out with friends. I’ve got to watch myself on this, and budget my excessively fun nights so that they are few and far between. I don’t want to get caught wasting money like that again. We are spending more time at home cooking, though, and that is a healthy way to offset those fun nights out.