Ok, I just revamped my Keep the Change program for the second time in as many days. Originally I was just basing it on any extra expenditures beyond my fixed, but now I plan to include all expenditures outside of savings/retirement contributions. Also, at first I counted whole dollar amounts as zero, i.e. if I spent an even $20.00 then I would put $0.00 in the save column. Now I'm paying myself $1 for each whole dollar amount. This, coupled with my matching my total at the end of the month will really help force me to save some additional cash each month.
After recalculating for January, I now ended with $18.13 in expense "tax." Matching that equals an extra $36.26 in my savings for the month.
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