After ten years of marriage, Bill and I have finally gone on a budget.  An honest to God, real budget.  We have a spreadsheet.  We have envelopes with cash.  We don't use our atm cards.  We've cut up our credit cards.  It's hardcore, people.  If I go to the grocery store with a $100 and it rings up to $105, I will put back $5 worth of stuff.  That hasn't happened yet, but I imagine that's what I would do.

Bill and I each get an "allowance", if you will.  A certain amount of money (me for books, him for golf) that covers our weekly expenses.  Over the course of the last four weeks, I have found that I do not like spending my money.  I wouldn't even call myself frugal.  I am effing cheap!  When my mom asks me out to lunch, I hesitate now.  I mentally add how much money I have in my wallet and how much I would have left if I spent $X amount.  It's kind of a joke now.  I raid the change jar for soda money.  Bill generously offers to use $5 of his money to send Kelsey on a field trip.  I say take it out of the grocery money. 

This really is something that I didn't know about myself.  What's interesting to me is what a difference it makes when you have cash instead of an atm or credit card. I really never thought twice about swiping my atm card.  Now, breaking a $20 is something that I need days to consider.

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