My personal reflection for Idea #2 is that starting small will keep me from making the excuse to not start because I don't have extra money. For me, because I have a lot of debts to attack right now, I will start with $50 per week. And as each credit card is paid off, I will increase my monthly savings goal. If we are running short for the week, we may have to cut back on eating out for the week, or postpone shopping or other discretionary spending.
The other thing I will do so I don't forget is to set up an automatic transfer to savings from checking every Friday.
Note, We only get paid once a month with my husband's business, but I find it works to break our budget out weekly. I pay a lot of bills weekly (credit cards, etc) That way I don't get to the end of the month without making most of our monthly payments.
EST Grand Rapids Michigan (yes same time zone as Maine)
If the first thing you do when you wake up in the morning is eat a live frog, then nothing worse can happen for the rest of the day!" Mark Twain
If a man really wants something he will find a way, if he doesn't he will find an excuse." Stephen Dolley, Jr
It is not enough to take steps which may some day lead to a goal; each step must be itself a goal and a step likewise.
Johann Wolfgang von Goethe
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