Saving log - $0
Spending log - $0
Found money - $0
Saving log - $3
Spending log - $1.75 coffee + $13 super bowl snacky items
Found money - $0.02 (sidewalk, Safeway floor)
Dirty money tally:
$23.19: 584 pennies, 22 nickels, 100 dimes, 21 quarters, $1 bill.
So spread out a few days every month, I've scheduled "opportunities" to save. Here's my monthly schedule:
1st - $35 1 Drp
2nd - $125 moving from checking to savings
5th - $30 or so goes into a CD
12th - $50 2nd Drp
16th - $100 from checking to ING
21st - $30 or so goes into 2nd CD
last day of month - monthly interest applied to ING ($28), Vanguard ($2), farmette checking account ($1).
I haven't counted the tip box, the dirty money hunt, the quarterly dividend reinvestment or what goes into the 403B, so what I've listed above is not exhaustive. This little bit of savings spread out over many days every month means I get a little saving thrill many times a month, rather than a big old dread 1-2X/month.
Does anybody else have this extensive a saving schedule?
the saving schedule