Erika - that is a very interesting comment about people spending more time with friends and family during this economic downturn. The best things in life are free, right?
Following up on the "you shouldn't spend what you don't have theme," I wanted to point out a budgeting method that is said to have developed during the Great Depression of the 1930's. I don't know that I have the discipline to go this route, but a friend who is trying to budget her expenses recently told me about the "Envelope System." The envelope system is a popular method for visualizing and maintaining a budget. The idea is to store your cash for separate categories of expenses in physically separate envelopes. It is kind of scary because if you lose your envelopes, you lose all of your cash for the month! But the premise is that you cash your paycheck, put predetermined amounts in the categorized envelopes, and DON'T cheat.
Dave Ramsey, of Financial Peace University explains it best if you are interested in this topic:
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