I don't know how we do it, but our account has remained stable, despite paying out extra extra $ for my second class at UK (tuition jumped double digits this year). I must take after my parents, who hardly spend money on anything extraneous. I look at $10 shirts at Target and debate whether I really ought to get one. I spend 10 minutes at a used bookstore contemplating whether I should purchase a $3 book. I wait to get home and eat a bowl of cereal rather than stop on the road for lunch.