I swear I am such a flake, not really but can be! Okay so I decided to have $5 pulled from my bank to my ING accounts ($5 in each account) one for emergencies and one for my daughter...come the new year I will be doing $28 (because I am 28) and $7 for my daughter (because she is 7) and increase it every year as we get older. Because me manually trying to do this is impossible. I also canceled my Health Insurance because my mom found a more inexpensive one. I decided to stay at my job - they promoted me and gave me a raise.

I also cashed out of all my MyPoints and Swagbucks. So I will be getting $30 in Amazon.com, $25 GC for Target, $25 GC for JCPenney and $10 GC for Chilis.

I went from deciding to spend $60 per person to $40 per person for Christmas. Since everyone I know basically has what they want anyway.

I also keep a stash, it ranges I went from $80 then back to $30. Its just cash to have handy aside from what I keep in the bank.