Jawjaw, all ten of your ways to save money are great ways and I do them myself BUT you didn't say to PAY YOURSELF FIRST. aznd I can't express strongly enoug the importance of this one thing. When you first begin it doesn't seem like much and isn't but after a few years WOW, it really adds up. Just save $5.00 if its all you have but do save it.... [Smile]