No Smoking Update May 20th!!

Well, I am now at 3 weeks no smoking!! Cravings for cigarettes are gone and I can go ahead and count the money I was using to buy them with as extra cash flow to my finances!!

Anyone who smokes can do this!! Just put your mind to it!!

The First step into increasing cash flow... obvious choice!!

I have decided to quit smoking. Based off of my end of the month cash flow surplus of $16 this seems like the most obvious of choices initially.

I calculate that I spend $75 a month on buying cigarettes  Dropping this bad habit will increase my end of month cash surplus by over 4 times!!

Total end of month cash flow = $91

How do single people survive today's expectations dictated by society?

I have an analytic personality and I am always calculating everything whether I realize it or not. I pay my bills every month ahead of time and don't have any loans or credit cards. I own my vehicle. I know money is tight and every purchase has to be precisely calculated. Tonight, I put everything into a spreadsheet just to see how tight things really are. After calculations I found that I have $16 left at the end of every month to do whatever I want with. My question is how do single people make it if they have a car payment or credit card bills? It is beyond me. It seems to me that today's expectations are to have a duel income household. If I had someone living with me their entire paycheck basically would be free. So it looks like to me that we are being forced into having 2 jobs, spouses, roommates, partners, or whatever just to have any kind of lifestyle that requires money...such as hobbies, recreation, trips, socializing, or anything to have fun. The problem with 2 jobs is that you don't have any time to spend with kids if you have them. I am going to use my analytic mind over the next few months to see if I can beat these expectations and increase cash flow. I personally think that an individual, to be fulfilled, needs $200-$400 a month to do whatever they want with. If you have any ideas post them below. I would be glad to take them into consideration.