I hope everyone has a very good Christmas (or whichever holiday you celebrate.)

We had a pancake and egg breakfast at work today - they have a rotating grill that a couple of bus drivers were making made to order pancakes and eggs. I was so full that I didn't eat my lunch til 3 p.m.!

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Redeemed $9 from Pinecone and $17 from GymPact today. Will go into my Snowflakes fund.

Also got a Christmas card from my mom with $50! I'll put half of that into my spending money (for a treat) and the other half to my savings goals.

*are pictures not working anymore? I tried to upload one of Kari and it's not giving me the usual link to add.

I am happy that this coming week is a 4 day work week. (And so is the next week!!)

Christmas Eve NE and I will be going to a program at my local church. I was bowled over when he said he'd be willing to come with me ... He wants to come late and leave early - I told him that would be fine with me. Just having him there with me at a church event will be all the Christmas gifts I could ever want (well, ok, maybe one other thing could be as good or a little bit better ... )

Christmas Day we'll be cooking a meal together. He really wants to have Rum Cake which is something his mom made for Christmas when he was growing up. I've never had it - never even bought any kind of alcohol before in my life. It's going to feel really weird checking out with a bottle of rum ... (Yes, I know the alcohol cooks out .. still, it is out of my norm.)

We'll be going shopping for the missing ingredients tomorrow. One thing we're going to check the local Goodwills for is a bundt cake pan. For some reason he thought I had one already ... hopefully we can find a cheap one.

He'll have to stop by a local ABC store to pick up the dinner roast on Tuesday. It's only open Mon-Th from 8 to 5, so no way I can make it there before it closes. (It's the only store in town that I know sells the vegetarian dinner roast.)

The local paper has a running list of good places to look at Christmas lights. A running tradition in my family has been to go light looking on Christmas Eve. NE has accommodated me on this last year, and will again this year.

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NE surprised me by getting me a birthday gift! I had told him that dinner and a movie of my choice was a great gift all by itself. He got me a pair of thermal socks all the way from England! (I'm always complaining about my feet being cold.)They are so nice and warm.

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I cashed out for a $25 AGC card from PerkPoints on Friday and had it in my email the same day! Sweet!

I also cashed out for a 500SBs code on Bing today and had it in my email two hours later. Sad though that it's gonna take a LONG time to build it back up at 25 points a day ...

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I had some good news today about one of my banking accounts - Barclay's has raised their interest rates to 1% and 1.05% (savings/dream account) So I decided to keep my money there and not move it like I was thinking about doing. I wonder if Cap one will be raising their rates soon too?

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I spent some time updating my YNAB ... oops. It looks like I spent $68!! on fast food/non-essential food already this month. That is totally ridiculous. I only got fast food 3 x, the rest of it was soda and junkfood (chocolate, banana bread, etc.)

I think I'm going to limit myself to one fast food treat stop per month, plus eating at a restaurant one time per month (if invited/asked.) I'm also putting a moratorium on going into Walgreen's, CVS, Family Dollar and SunMart unless there is a *specific* non-junkfood item I'm getting - if it is just a prescription, I'll go through the drive through!

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I walked to the library today to return a book (Switch) and checked out a couple more. When I got home I checked my email and saw that a book I'd put on hold had come in! It will still be there next Saturday, so I'll get it then (good excuse for a walk!)

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I started using my space heater again yesterday. I hadn't turned it on since I rented the room from the Craigslist landlord from double hockey stick. Kari was so funny - so afraid of it at first, then curious, then fell absolutely in love with it. She's barely moved from in front of it (as long as I have it on.) Guess my lap isn't as warm as in front of the heater!

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I watched a fabulous show recently - The Librarians on TNT. I'd loved the movie trilogy with Noah Wylie, and they brought him back for the tv series. I was sad though to find out that TNT website only let me watch the first one - after that I had to have a cable subscription to stream it.

http://www.savingadvice.com/blogs/image.php?blog=2071&id=12955

Today I actually managed to go through 3 boxes AND then took 3 boxes of stuff plus a trash bag of other stuff to Goodwill!

The stuff included a number of dolls/stuffed animals that I've been hauling around with me ever since I moved out on my own. Hanging on to it for future kids ... I kept one doll, my favorite, but the rest ... no point in holding on to them. I also let go of a bunch of books, a steamer thing I used once in six years, and quite a few odds and ends.

There's more I could and probably will let go of, although some things I think I may try listing on eBay. I did also relist some items on eBay.

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I also stopped at the grocery store for bananas .. got a few more things than just bananas, but after putting a few things back, got out of there for only $13.

On the way back home I checked my mail. I got my gas bill - $42.83. That is almost twice what last month's bill was - I need to turn my heat down I think.

I also got a birthday package from my mom. First of all let me say how much I appreciate her thinking of me and remembering me. However ... this gift demonstrates how over the top she can be.

In my wish list I'd put snow shoes/boots (not meaning both .. just kind of describing what I was thinking of), warm socks, iTunes gift cards, mani/pedi gift cards or a groupon haircut/highlights deal type thing.

She sent me a pair of snow shoes and a pair of snow boots. Both look really nice. PLUS she sent me three books. I hate to think how much she spent on all this (plus the postage) - she's not in the position to spend much! Now I feel kind of bad for what I got her (a groupon deal.) I would have been more than happy with JUST socks, but she asked for five items ...

When she calls me tomorrow I'll be sure to be appreciative of course ... just feels frustrating. I think maybe she's trying to match what I gave her for her birthday - a $50 gift certificate for one of her favorite high end stores -- I told her I didn't pay $50 for it! (groupon deal!)

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Tomorrow I have my doctor's appointment (finally!) in the morning. In the afternoon I am thinking about going to a movie - one that NE probably wouldn't enjoy, but I want to take advantage of matinee pricing. (I took the day off work.)

Then NE is making his spaghetti dinner for me and we'll watch a movie or play games. I might try to get through a few more boxes too.

I have been doing a lot more thinking the past two weeks about my Year 39 goals. As much as I'd like to save up for a house downpayment, I think it would be smarter to get a larger EF in place. I currently have roughly $5100, which I could stretch out for 4 or 5 months. I have decided to make my goal to be a 1 year EF - or $12,000. So that means trying to save around $7900 this year.

Partly how I'll do this is reduce the amount I put toward my car repair/replace fund. Instead of $150/month, I'm going to put $75/month. My car is a 2010 model, so I don't expect any big expenses beyond oil changes and tires, etc. for awhile. If something bigger comes up, then I'll use EF funds.

It is looking more and more likely that there is going to be a high school reunion. The place I graduated from in 1993! shut it's doors in 2006? I went to my ten year reunion, but that was the last one we had. Members of classes from 1992 - 2006 have been talking and organizing on FB about getting together. This is something I think I would really like to do.

Of course I also have my mom (TX) and my CA family clamoring for me to come visit them as soon as I have vacation days available (Feb 1!)It's highly likely that my CA family would probably pay for my ticket ... but I don't want to assume that. (Nor am I sure I really want to accept that ...)

So I'll have around 12 vacation days accumulated by next December. (I have 3 right now I think.

I really would like to go to CA - mainly because my grandma is getting on in years and I just hate to not see her as much as I can while she's still alive and lucid. But ... I haven't been back to TX since my mom got married Dec 2012, and I know she's feeling like I've kind of abandoned her.

May and July are probably the best months for me to go anywhere since I could tack my vacation days to paid holidays, thus helping to stretch them a bit.

I think I'll wait to make any final plans until I see how the plans for the reunion flesh out. In the meantime though, I need to put aside money for trip expenses.

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The third goal is kind of related to the reunion I'd like to lose at least 30 lbs. By June would be nice.

Right now my weight fluctuates up and down two or three pounds for seemingly no reason at all ... So hopefully once I get my thyroid back under control, I can make progress again.

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So for my two financial goals .... Windfalls/Snowflakes will be allocated like this:
60% to EF
20% to Spending Money
20% to HS Reunion/trips



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My boss K lent me this fantastic book - Unbroken - it is a movie that is either coming out soon or has already come out. I finished it today. It's about Louie Lamperini(sp?) who was a 1936 Olympian, and then during WW2 was shot down, survived 40+days adrift on the ocean, and then was captured by the Japanese and terribly tortured. Amazing story!

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I have spent some of my spending money this week ... gave in to temptations. Chocolate ... BK ... banana bread. But not *too* bad.

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I received my last Bubblews payment (from October earnings) $55.xx - that will be going into my Snowflake category

I also cashed out for another $25 PP payment from Swagbucks. When that comes, it'll also to to my Snowflake category.

By Tuesday I think I'll have enough Bing points again for a 500 SB reward (thanks to the double points weekend!) Might be able to do a second one this month too - especially if they have another double points weekend this month.

I'm at about 20k PerkPoints - need another 4500 to get a $25 AGC or iTunes card. Hoping I'll be there by Thursday.

I entered a 12 days of Wellness contest at work. Basically it's self reported - do one different activity from one of four categories daily. It ends on Dec 23rd. One of the items was "take the stairs twice." I laughed loudly at that one ... the first day of the contest I went up and down the stairs at least 7 times ...

I have started walking in circles for the last 10-15 minutes of my lunch each day. Once I finish the main portion of my lunch and just have my treat left (usually a granola bar) I can walk and read. It's adding around 2k steps to my day so far.

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Tomorrow I need to go to the library to pick up a hold (and return Switch.) That'll be a good 2.5 miles round trip.

NE and I *might* be making a trip to Independence, MO tomorrow if the speaker he's evening isn't sold by then. Since I'm taking Monday off, I can go with him on the road trip without worrying about being overtired for work. (His car is in good working order now, so I'm not worried about a breakdown. Also, no snow in the forecast!)

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I am thinking about couch/chairs again. NE would like to invite his friend and family to dinner. His place (NEs) isn't an option ... would take a LOT of work to get it company ready (a LOT LOT LOT.) My place ... need to finish unpacking/decluttering - but main issue is seating. I have my office chair, my bed and two decrepit wood chairs (one of which has a broken seat - can sit on it with a pillow on top of the seat.)

Last weekend I finished up my bathroom. Tommorrow/Monday I'd like to get at least three boxes unpacked / settled. Then have a goal of three boxes per week. Once that's done, then I'm going to look seriously again at Craigslist, etc for couches/chairs.

It isn't just for this one time dinner I'm thinking of ... it would be nice to just have my place in a state where I *could* invite people over if I wanted to. Right now I would not want to invite anyone over because there'd be nowhere for them to sit.

If you were not wanting to switch to Ting because you have a GSM phone ... great news! Early 2015 Ting will be adding a GSM network to their plan! (If I would've known this, I could have waited a few more months and kept my ATT phone. Oh well.)

If you are on the fence about switching - here's a sweet deal for this month (good til Jan 5.) Instead of just 25% of your ETF (up to $75) now Ting is paying 50% of your ETF up to $100!

Today I found out that my 6 month ETF with ATT is 181.81. So Ting will pay $90.91 (in Ting credit) of my ETF. My final bill for ATT is 21.24, and I have a $50 Ting credit so won't have any charges.

I budgeted $200 for phone charges this month so will need to add a little bit to it, but then the next 5 or 6 months at least I will have no phone bill due to the Ting credits on my account! That's money that can go to my savings goals!!

Sweet!

I got back a bit ago from my shopping excursion.

On the way to Walmart I stopped at Family Dollar and picked up:
phone charging cord ($5) and a bottle of flavored water ($.85)

Electronics: $5
Spending Money: $.85

Then I stopped by the PO. It looks like my mailbox keys for the PO came off my key chain while they were missing. I'll have to see if I can make it over there tomorrow before 5 to see about getting replacements. Ugh.

Next I got to Walmart.

I got everything on my list, plus a few other things (of course)

Sweet potatoes - 2.3lbs for $1.50
Carrots - $1.98 (16oz)
Pumpkin Puree - 1.43
eggs (1 doz) - 1.98
PB2 Powder (pb aisle) 4.68
Welches Strawberry Jelly (no HFCS) 2.98
2 Rice Dream milks 2.24 each (-$2 cpns)
small bag kitkats - 1.28 (spending money)
Smart Balance butter w/flaxseed - 2.98
Wild Roots Flaxseed (2lb bag) - 3.50
Snappeas Ceasar (2) 1.50 (-$1 coupons) (spending money)
Fage Greek Yogurt large cont. - $3.47
3lb frozen fruit - 9.28
Frozen Mixed veggies 5lb - 5.98
frozen papaya 2lb - 5.98
1.69 lb bananas - $.61
Purina Beyond Grain Free 3lb -9.67 ($3 cpn)
Tyd Bowl cleaner - .97
Clorox Bowl fresh - 1.97
2 items I'm not sure what they are - 7.38

Total - 74.79 before coupons
After coupons and tax - $68.16

Kari - 9.97 - 3 = 6.67
Spending Money - 4.28 - 1 cpn = 3.28
Groceries - 58.21

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Then I went over to Sam's Club and got gas

2.61/gallon - spent $23.41 to fill up

Auto fuel - $23.41

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finally I hit up the local health food store for pumpkin seeds. They have a $5 min for credit cards ...

So, 1 lb pumpkin seeds - $6.31 (will last a LONG time)

Groceries: 6.31 + 58.21 = 64.52

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And that should conclude my spending for this week.

I didn't go into this week with the goal of not buying any chocolate, although I did really want to limit my sugar intake. Oddly enough, both times I went to a store this week, I totally and completely passed up on all the junkfood. My normal SOP is if I'm at a place that sells chocolate ... I'm getting some.

Maybe it is because if I buy it I'll have to take it out of my spending money category? Because that money is so finite and encompasses so many different categories, maybe that is what is stopping me from stopping for a coke and a bar or two. Whatever it is, I am liking it!

I'd been thinking of getting a candy bar today for a treat, but then Friday night when NE came over, he brought me a brownie. Nice surprise (better than flowers!)

So far in December I have spent less than $10 total (outside of regular bills) Tomorrow I do plan to go to Walmart and possibly Sams, so will have grocery and gas expenses.

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Friday night I was feeling really stuffed up, so took two night time allergy relief pills. I went to bed shortly before 11 and woke up about 9a.m.!! Whoah Nelly! Kind of made up for waking up at 4 a.m. on Friday ....

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My main goals for tomorrow are:

1. Completely finish the bathroom - that means all boxes/bags unpacked and organized. Floor swept, tub/sink cleaned. Pictures hung.

2. Make something for work lunches - cottage cheese roast or quinoa vegge patties or bean/quinoa tortillas

3. Grocery shop - Fage (greek yogurt), bananas, carrots, frozen fruit, jelly, chocolate chips (for lunchbox treats - protein cookies), frozen veggies, sweet potatoes, allumn. foil, ground flaxseed, PB2 powder, pumpkin seeds, phone charger (from Family Dollar)

4. Take out trash

5. Scrub counters/sink in kitchen

6. Laundry (when NE gets here, I'll do both of ours. He pays for it and really only adds a few pieces - so it's mostly my laundry.)

7. Walk to the library (must start no later than 3:45 or else will be in the dark!)

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Saturday I rested and relaxed - did a lot of reading (mostly MMM forums and soon may read a book on my Kindle app). Tomorrow I need to actually DO stuff.

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NE made an interesting observation on Friday. He wondered why I was baking my sweet potatoes one at a time (one a day.) I know it would be much more energy (and time) efficient to bake 5 of them at one time, I just worry about properly keeping them until I'm ready to eat them. (food safety)

I *think* if I mashed it up and put it in a container (not in its foil wrapping from the oven) that it should be okay? Not grow any bacteria, etc.?

So I've been using my Ting phone as an actual phone now for about a week. One thing I did in the settings was to turn off the celluar data. This way I only use data when I *REALLY* want to.

I find it funny how often I have automatically reached for my phone and clicked on email or FB, etc only to get the message 'Data is turned off' I am glad I have that option turned off, or it might not even hit me that I was using data!!

I'm going to have to figure out how to get NE to realize that we can't have 30 minute conversations *before* he comes over to my place on the phone. Monday night he didn't come over, and we talked for over an hour. When you know you're paying in buckets, you're much more aware of how many minutes you're going through. (he has a dumbphone, so other than skype, I'm not sure what the best solution is)

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Almost forgot! If you are on the fence about switching to Ting right now due to paying ETF fees ... they are paying 50% of your ETF fees in December! I hope I get my bill from ATT soon!

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My landlord changed the locks on my doors today. NE and my boss K are happy about that. He did it at no charge to me, which makes me happy.

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I talked to my boss K today about whether there is any gift exchange, etc. at the office. I loudly proclaimed (in my head) "Yahoo!!!" when she told me there wasn't.

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I have made a new rule for myself. If I want to watch an episode of Person of Interest (on DVD) I have to exercise during it. So ... I watched episode two tonight.

I also have decided that if I want to buy the $70 year subscription to the Piano Maestro app, that I will have to "earn" the money. I'll earn $1 every time I play at least 15 minutes, with a $5 bonus after 10 15 minute sessions. This way I'll hopefully build up the habit so that by the time I have "earned" the money for the subscription, I'll actually be able to put it to good use.

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I heard about this great book on the YNAB forums called Switch - it's about how making changes in our life (or in companies) is hard.

I am about halfway through it. I absolutely love it! I would highly recommend it to anyone here looking for a book to help you make changes in your habits - of any kind.

I would love it so much if a good number of us read it at the same time so we could discuss it, and maybe help each figure out "switches" for personal scenarios.

Here's the title: Switch: How to Change Things When Change Is Hard by the Heath brothers

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Is anyone else not getting notices of replies to their blogs? I didn't get emails for any of the replies to my last post. I only saw them because of visiting here.

This morning as I opened my door to head to work, I heard a jangle. When I looked down on the ground .. there were my keys!!

I was deliriously happy to have my car fob back.

My boss wanted me to call my landlord right away and have him change my locks. I didn't have his number in my new phone ... and couldn't remember his last name. (I've been having a good bit of brain fog lately .. the key incident is just one of many ... NEED to get my thyroid medicine going again. Badly.)

I did call him when I got home from work. He had no problem with rekeying the doors at no charge to me. He's going to do it in the morning.

Last night a bit after 9 I heard someone messing with my door lock. It got both Kari's and I's attention, but both of us were way too comfy to get up. Now if the door had opened ... it would have been a different story.

NE tonight was really getting on my nerves telling me all about what he would have done if he'd heard someone turning a key in the lock... He couldn't understand why I didn't get up to look out the window or open the door .. Um yeah, that wasn't the thought running through my head at the time, thanks.

Anyway ...

I talked to my boss K about the 15 minute break thing. Apparently it is a hornet's nest and part of the drama drama drama ... I told her I would be fine either way - with or without. Oy vey.

I also had a day off approved .. the 15th. Make for a long birthday weekend.

Of course, it won't be all fun and games ... I finally called the doctor today. (forgot my phone yesterday at home .. yet another brain fogggggg) The first time they could get me in was --- the 15th!

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I stopped at a local health food store today to see if they had anything papaya. No luck. I'm considering ordering seeds online - add them to my morning smoothies. I'd rather find a local source though.

While there I did pick up a container of Kale for $1.40. I've thought of trying Kale before, but it sounded like so much work. Will try it in my smoothie tomorrow.

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I got my gas bill for November - $30.41. I have $40 budgeted, so that means $8.59 goes into the savings categories.

So I ended November quite well ... by losing my keys! On the key ring is my car key fob, apartment key, mailbox key (x2 also for PO box), and laundry room key.
UGH!

They have to be in here somewhere. I had to have them to get into my apartment on Saturday afternoon when I came back from walking to the library. I didn't realize they were missing until Sunday afternoon when I was about to leave to go walk to my landlord's house and drop off my rent check. I looked everywhere! When NE came later, he helped me look again.

Nowhere to be found!

Thankfully I somehow found my spare car key - so I was able to drive to work this morning. However, I had to leave my apartment unlocked!

Tonight I called my landlord and explained what happened, and he had an extra key for my apartment - as well as ONE laundry room key (which he'll get tomorrow from me.)

I can't check my mail until I get the keys back - normally I wouldn't care too much .. but in a couple weeks I may have some cards and such coming ...

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I went to Russ's (grocery store) tonight. I spent $8.57 and NONE of it was junkfood. You have no idea how RARE it is for me to stop in a food store of any kind and NOT leave with some form of chocolate.

I felt really proud of myself.

However, while I was checking out, I had my arm resting on the top of my cart while I waited for my card to go through. All of a sudden the ?manager? jerked the cart away from me and left with it!! I only had two bags and I hadn't put them in the cart yet, but still!! It made it pretty difficult for me to get my gloves and hoodie back on for my walk home.

I thought about saying something to him after my startle was over, but decided to let it go.

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Today at work I found out that I should be able to take two fifteen minute breaks on top of my lunch break. I know it worked that way when I was at the oil and gas company in TX, but since my boss didn't mention anything about it ... I just kind of figured that the 30 minute lunch was it and then just use the bathroom when I needed to quickly. My boss will be back tomorrow, so I'll have to talk to her about it. I'd love to be able to go into the fitness room and walk on the treadmill or something twice a day! Great way to increase my steps.

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I got a $25 windfall in my PayPal account today from Swagbucks. (Which I'll be adding to my tally page on my sidebar.)

I also cashed in for two $5 AGCs.

I cashed out for a 500 SB code on Bing on Saturday, and should have enough for another one by Thursday thanks to the double points weekend.

On PerkTV I have nearly 12,000 points and have made tons of entries for giftcard sweeps with my tokens.

I have 43,000 points on Yougov - a survey site. It's enough for a variety of $25 giftcards, but the best value I think is waiting til I have 100,000 points for a $100 AGC. That's the only one that is point per dollar value. (I have referral links to YouGov, Bing, Ting, Swagbucks all in my sidebar if you're interested. )

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I was going to call to set up a doctor's appointment today, but I forgot I had the number on my old phone. I'd only brought my new one with me to work today.

I'm a burping garlic and pumpkin seeds gal at the moment ...

So in about two weeks here I will be 39. That means that in 1 year and 2 weeks I'll be 40. It's really, really hard for me to see myself as a 40 year old ...

I've been thinking a lot about what I can do to get myself better set for life in ten - fifteen years - the time I'd really like to be at least Financially Independent if not able to kiss the 40 hour work week goodbye.

One thing I'm realizing will play heavily into my financial well being in the future is my health. If I continue the way I am now, my medical bills will more than likely prohibit my FI or early retirement. Plus it would more than likely make life not all that enjoyable.

Financial health and body health I think go hand in hand in the long run.

So thinking long and hard, I've come up with some long term savings goals. These are things that I hope will help me along the road to eventual Financial Independence.

I currently have a networth of approximately $200k. About 35% of that is in two taxable accounts, and the remainder is in ROTH, 403(b), IRA, etc. Included in that is also about $5100 in an EF that is pretty hard to access (earning .90% APR) I have no debt.

Starting in February I'll be able to contribute to my workplace retirement account. Once I see those numbers I'll have to figure out how much I'll continue sending to my ROTH, and how much I'll contribute to the 401k above the required amount.

So I'm going to borrow a term from CyNewbie of YNAB - Big Bodacious Goals for my 39th year of life:

1. Save $2,500 in Car Replacement/Repairs category
2. Save $3,000 in Taxable Account category
3. Save $3,000 in House Downpayment category
4. Save $500 to replace computer

I'll be adding the above goals to my sidebar soon.

Any Windfalls or Snowflakes will be handled like this:
1. Amazon gift cards - pays for protein powder for smoothies, or any ebooks I want, etc.

2. Non-gift cards: (i.e. cash, PayPal funds, tax refunds, 3rd paychecks, overtime)Leftover money from Utilities(gas, electric, phone), Fuel, Grocery categories. *Birthday/Christmas cash I might treat a little differently - maybe a 50/25/25 split.

***20% to Spending Money
***40% to Taxable Account
***40% to House Downpayment

Below is my budget. Pre-tax I have health insurance, health account (Fafa??) and dental insurance taken out right now.

So .. after those deductions, my net income is about $1647/month (until January 30, then I'll be getting a raise of 4-5%)

Tithe: 145
Giving: 25
Rent: 430
Internet: 66 (ugh!! wish I could get this lower)
Phone: 40
Electric: 50
Apt Gas: 40
Groceries: 150
Spending Money: 20
Medical: 25 (have 50/mo deducted pre-tax)
Kari (Cat): 40 (food, litter, vet)
Car Gas: 50

Savings/Rainy Day:
EF: 25
Car Ins: 45 (pay 2x a year)
Life Ins: 16 (pay 1x a year)
Car Replace/Repair/etc: 150
Vacation: 50
ROTH: 200
Computer/Electronics: 40
Taxable Investments: 25
House Downpayment: 25

Clothing, Restaurants/eating out, Household stuff, Entertainment, misc. all come from the Spending Money category.

I don't have cable, and I am not currently paying for any subscription services. I have been using Bing to get free Hulu+, but am seriously considering stopping that. I just don't use it that much.

As part of my effort to improve both my physical health and my financial health, I am going to start doing this --- Any food "treats" (i.e junkfood) won't come out of the grocery category, but will come out of the spending money category. Since I would like to be able to use this for other things than food, I'm hoping it will help me to curb my impulse to purchase (and consume) this stuff.