because I SUCK at daily budgeting.
I kick ass when it comes to retirement savings and larger vision savings (paying towards my mortgage every week instead of once a month to pay it off faster), but the daily stuff, I just don't...well, just don't do it.
I have some weird things, like I always get water with any meal out, will NEVER EVER under any conditions get "delivery", I buy generic/no name brand items in most cases, but the daily, "I always bring my lunch to work" type stuff I don't do.
I will eagerly read this thread for ideas from you all. I know the first step is more awareness as to what I spend/what I spend my money on, but I avoid this first step (so that I don't have to change my behavior).
This is another thread those here may enjoy:
http://www.butchfemmeplanet.com/foru...ead.php?t=5819