As we’re in the final stretch of Project Money, we have really been watching our pennies, and trying to stretch the budget as much as possible. When any expense is discussed, we (somewhat) jokingly ask “can it wait until January?” before making any decisions. The bigger joke has become how busy January will be! A better way to ask the question would probably be “Is it a NEED and is it URGENT?” Anyone in the budgeting process has probably learned to clarify needs versus wants. It seems urgency has helped us clarify that even further. Often it seems when something seems to be a need, but it’s not urgent, something works out in the mean time so that we avoided the expense all together! Using cash also seems to have helped make us more conscious of those choices.