When you're looking at spending and budget issues, annualize everything. For instance, are you spending $10 a day on lunch? If you bring something from home, it will cost perhaps $3. That $7 a day that you save is $35 a week, over $1500 a year.
It's a lot easier to get motivated to make small spending changes when you see the annual cost.
Don't even let me get started on the annual cost of smoking!
By Louise, the Frugal Yankee
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