It's a good time to make resolutions, and my friend Jamie put this on Facebook the other night. I think I'll try it. It's an easy way to save money...
Back in the days when I was a cigarette smoker, we used to sit around (smoking) and discuss ways to quit smoking. One novel way was, every day, put off that first smoke for an hour. So if you get up at 5, no smoking until after 6 the first day, then after 7 and after 8 the third day and so on. Of course, it got to where you couldn't have a cigarette until after 11 PM one night and then you were supposed to be able to quit, mainly because you were sick and tired of waiting to smoke.
Of course, by November and December, you'll need to come up with healthy chunks out of your allowance to make the deposit, but it should be worth it.
Who's with me?