Ripped straight out of http://planabudget.com/budget-setup.htm:

Determine what you are spending now

This is a hard part for a lot of people, being honest with themselves as to where the money goes—it may be tough to admit to yourself that you are spending $100 a month on cigarettes, $50 a month on manicures, $75 a month at the hairdressers, or $200 at the golf course. In fact, most people are quite surprised when they actually start tracking where they spend their money.

Sounds like they're addressing me and my family LOL-except I spent more on cigarettes ($112) and manicures ($60)!! My hair's grown too long and each time I go it's at least $30 for the wash & cut.. golfing? uhm.. i'll pass. The closest I come to golfing is using my foot as a golf putter & launch my kids' toys across the room.

I'm resisting the urge to go to the movies tonight.
Getting back to the serious stuff... I made a startling discovery (been havin alot of those lately!).

**If tweaked carefully, I can retain 30% of our monthly income after all bills, amenities, necessities and savings accounts have weaved their way through the paycheck (THAT TAKES SKILL!!!)**

Let's see what else I can manage while stuggling with boredom and two incredibly hyperactive girls on a friday night without hubby lol