It is now Day 25 of my War on the Wallet, part of a harsh budget cutback I've imposed on myself at work to kill off my credit card balances once and for all.
This has not been easy to do, but it needed doing.
It goes beyond using the bus with passes subsidized from work instead of buying a decent used car, passing up on SXSW and other meetups and concerts, passing on ogling the fluffy bunnies and chickens at Rodeo, telling people "I'll get back to you" on fundraisers when they'll keep coming back over and over - that kind of thing.
I have been writing notes and reminders to myself on Plurk, documenting my frustrations and bitching on Cinchcast, writing daily to-do lists that contain a few to-don't items, keeping a spreadsheet going to track my progress, and making notes on how much bang and how much fizzle I've been getting for all the bucks I've blown in the past.
I've only picked up breakfast twice on the way to work in the past 5 weeks, and one of those was a part of a St. Pancake's Day celebration. Bringing it in is much, much cheaper than picking it up.
And the vending machines no longer give me caffeinated and artificial sugary headaches. Iced tea or light coffee... free.
I've also been microwaving meals for lunch instead of picking up lunch in the Downtown tunnels. As much as I miss really bad Chinese and overpriced gourmet salads, this is better for me in the long run.
Detours for dinner on the way home have been cut back, too. No Nit-Noi, Rajun Cajun, Hard Rock Cafe, or other deliciousness. Okay, I did one Cabo's run, just to remind myself how much of a mistake that was until I get things settled down.
Cultural events have been cut back... ballet, the theater, symphony.... just a Kevin Smith presser at House of Blues and that wretched Alice movie.
That Chateau St. Jean 2005 at Kroger can wait until it's time to celebrate the death of the first credit card. Paying $50 now while the battle is still on is madness, and they won't sell it out any time soon. (Especially with the 2007 being such a bargain.)
Baseball season starts soon, but I'll be going for nosebleed bleacher seats more often than box seats. And damn Drayton McLane if I'll spend $7.50 for a cheap watered-down American beer, then tip the halfway house slave labor he brings in to peddle it through a contractor.
Instead, it's lots of podcasts and lots of reading books on the shelf that need re-reading. It's been glorious out most afternoons and I should make the best of that:

Plus, let's face it, Second Life can be cheap entertainment if you want it to be.
Sometimes... well... not-so-much.
At least the islands are close to covering themselves and I haven't taken the bait and bought more yet despite wacky CNN Money videos showing a couple with 150 islands making "bank."
Very few people win that kind of scenario when the tables are tilted so far to the house, Batman kicked in the door and yelled "WHERE THE HELL IS THE PENGUIN, RIDDLER, AND JOKER?"
(I was going to go with "The elevators in the casino run left-right instead of up-down." but I haven't made a Batman reference in weeks, eh.)
I've put my Beggars Borrowers and Thieves (Emergencies) Budget at 0 for the next month, I won't contribute to RFL unless it's tax-deductible, I'm not in need of any outfits or components for builds for a while, water's still wet, beer's still cold, and chili's still hot.
Ultimately, this separates the Friends from the friends. The lights come up, and you see who's got their hand on your shoulder, hand in your pocket, or fangs in your neck.
These days, I've gone beyond a dedicated credit card for SL. Now, I track SL-Tier and SL-Other in separate columns in my spreadsheet. SL-Tier reaches 0 every month without fail. But if I don't make that SL-Other last, well, them's the breaks and the joyride slows down or parks for the month.
Goals... a light at the end of the tunnel... land to swim for as the reefs turn to shallows and sand. I look at my list... the only item that's circled in ink at the moment is to buy a painting from Gracie Kendal in May.
That's the goal I've set for myself. That's the reward for forcing myself to cut back and save.
I will be able to look at the wall and say "That's what happens when you buck up and get shit done."
I find myself repeating this at least once a day.
I will make it.
Oh, and I'm making sure to play with the cats a bunch.
They're cheap, full of renewable energy, and extremely cuddly.
The more they get played with young, the friendlier and more sociable they get when older.
Nardo's still-living proof, and Bruwyn's turning out well. (At least Myst isn't going on sardine hunts.)
Fourteen days to go for the first card to go down in flames. The SL card is at zero, as it always is when tier-in matches tier-out. The third card is sleeping comfortably in the freezer, dreaming of the Starbucks in R'lyeh.
The last card is a transition card. I have been using it while slamming the main card as hard as I can.
It is an introductory card with 0% APR until October, nice cashbacks for stuff I already buy, and not much of a balance. Just now, I got my emailed reminder of that balance and it's a cupcake compared to the beast the main card was, so if I stick to my plan and don't have too many surprises, that bastard goes down in flames one paycheck later.
I will make it.
Marvin Hamlisch AND Joel Grey in concert in Houston?
AUUUUUGGGHHHHHHHH!
(The shit I put myself through, man. Can I microwave culture, please?)
By imposing this discipline on myself, I am working towards the next stage of the Big To Do List, a diet and fitness regime.
It's going to be pretty harsh, and I fully expect to hit the wall repeatedly and painfully, but it has to be done.
Live fast, die young, and leave a pretty trail of corpses.