I have heard over and over again that one of the keys to financial success is spending less than what you earn. My logical mind knows this fact inside and out. Recently, I met with the retirement planning counselor for my plan. He asked a lot of questions about my finances in general (amount in savings, insurance, budget, etc.). When I told him that for my regular savings account, I had only around $750 in it, he gently said that I need at least 6 months of expenses in savings. I actually had a copy of my budget in my hand and know that it takes approximately $2000 to meet all normal bills. He said, "Well then you need $12,000 minimum in savings." Like I said, my logical brain knows this, but it really helped to get my butt in gear by hearing it from a financial planning counselor. Since then, I have been really watching my spending by taking out $20.00 cash for snacks and stuff. I pretty well stick to my guns and don't really spend outside that, allowing me to set aside a little extra for savings. I have also been putting my "found money" from surveys and rebates into the car account. $12,000. Wow. Well, I will get there somehow. I will break $1000 in my main savings account on Friday. I have also been adding to the house account, which we are planning to use for buying new windows for the house. Woo-Hoo!