Don't use an ATM card. As her salary increased, she didn't increase her lifestyle. When salary increases, invest more. Research prices at different stores. Once it's in savings, don't touch it.
Time is everything.
Don't pay off your mortgage. Learn the difference between a want and a need. Cook at home instead of eating out-you might enjoy spending time together in the kitchen. No cable TV or cell phones. Harpo Inc. All rights reserved.