But if you confuse wanting a Cadillac with your need for a car, your budget is going to be in serious trouble. Pay yourself first. This philosophy of money management can revolutionize your financial life. It means putting yourself and your family first in line for all demands on your money. Next, pay your other priority items.
Any excess can then go for luxuries.
If you buy lunches at work, consider packing your lunch part of the time. Cut back on something. For example, drink less sodas. A recent article in the Fort Lauderdale Sun-Sentinel pointed out that most families watch more network TV and play videos on their VCR than watch cable. After a hard day at work the temptation is hard to resist.