DD has soccer practice every Monday night, next door to the neighboring town's library. I've taken advantage of it by borrowing 3-4 CDs each week, which I then go load onto my Itunes. In most cases, I'm getting songs that I really like, but definitely wouldn't pay $1.29 for (yes, they raised the price from $.99!). Great way to build my music collection for free, and little opportunity for late fees because I'm there every week.

Didn't spend any money at work today, though I'm hungry because I only brought breakfast (not lunch) and I haven't stocked my file cabinet with food yet. No worries, we have a machine on the floor where we can get free coffee, tea and hot chocolate, so I'll grab a hot chocolate to hold me over until I get home.

Finished reviewing the September bills and tried to plan out the rest of the year. We have some emergency funds in 3 different accounts and we're looking to consolidate. Wow, rates are low right now. Even ING is only 1.30%. Our regular bank has a money market deal that's at 1.05% so we'll open the account there, even though the online rate is higher. (Net difference - $25/year on $10k. I'd rather have one less account).

Has anyone done Dave Ramsey's plan? I looked it over but haven't completely bought in. We have a manageable level of debt (though none would certainly be better) - a mortgage, car payment, and heloc. Details on my sidebar. The HELOC is the one that really stresses me out, but I can't get over his idea that I should only leave $1000 in my emergency fund until all non-mortgage debts are paid off. Doesn't seem like a big enough cushion to me. Anyway, I'd love to hear about everyone's experience with his plan.