Happy new year to all you savvy savers! At the beginning of 2007, I have $737.00 in my savings account, and $400.00 in my checking account. I have some summer goals I am saving for: $600.00 for a week at the beach, $500.00 for a pool membership, and $300.00 for a week of summer camp for the kids. So, between now and June 2007 I'd like to have $1,400.00 in my savings account. My job only gets me about $100.00 a month. I will pay myself $1.00 for doing things like exercising, washing the dishes by hand, ironing my husband's shirts, and making my own bread. We also now pay $6.00/month for our daughter to play on club penquin. She does extra chores around the house, and at the end of the week she gets $2.00. At the end of the month, she pays me $6.00, and that will go directly into the "savings" jar. I also save all my change and go to the bank once every couple of months to deposit this. I may try Walgreen's rebates, and I plan on selling more of my crafts this spring. I'd really like to be able to enroll my kids in an activity this spring, too. My daughter wants to do T-ball. Well, those are my goals and those are the ways which I will try to meet them. I am still working on reducing my eating out bill. I love to eat out, actually, more like ordering in, and I will try to reduce the # of times we do this. Mostly it goes like this, "hon, I don't feel like cooking tonight - let's order something!" This happens a lot. I think every time I overcome this desire to "order in" and make something at home instead, I will pay myself $20.00, even though ordering something often costs a lot more than that.