When I came upon this infographic and read the fine print, I realized I’ve been doing it all wrong! I’m supposed to define each category and allocate an amount (usually based on percents) first, then align my spending to fit that budget – or be “Pro-Active and tell my money where to go.”

For the past 8-months I’ve been making my coffee 4 or 5 days a week which is a lot faster and cheaper than riding over to Starbucks on a daily basis. However, while I was traveling, making my coffee wasn’t really an option (well, okay, it was but the hotel coffee was disgusting!) So, I’d walk over to Starbucks, wait 20 or so minutes, and be satiated