- 10% directly into savings from every paycheck and half of my commission checks when they are separate.
- paying bills half from one check to and half from the other.
- I am only going to eat out at work once a week (or maybe not at all)
- no more credit cards
That last one - is one of my main reasons to start saving. All of my credit cards are gone. No more naughty shopping. I now have to save all the money for the things I want. I have to save for vacations. I have to save for fun toys (not that I am allowed to buy them - ever).
Holy Crap. This is going to be a hard thing for me.