Each Monday, I take a a fresh, crisp 20.00 dollar bill out of the ATM, fold it twice 2 times, slide it into my wallet and keep it moving. If I spend it, so what. If I don't spend it, so what. Anything left over, I invest. Simplify.
(this takes in account that all my bills and living expenses are paid first through automatic bill pay, my commuter card, My Subway Giftcard, and my Sunday food shopping is done.)
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