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ShortQuests -- individual adventure modules! An all-new collection of digest-sized D&D adventures designed to plug in to your game.

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Message: <blockquote data-quote="Pbartender" data-source="post: 949035" data-attributes="member: 7533">I have to say, I cannot agree with you guys more.I too work for the government.  I'm not particularly wealthy.  I make just enough to cover bills, and little bit extra besides.  For a while, we were not doing too well, financially speaking.  Lucky, we've turned it around before it got too bad.  As BV210 said, it is simply a matter of discipline.  We didn't even need to see a seminar. My wife and I just sat down and took a look at our expenses.  We cut out a lot of unecessary things...<ul> <li data-xf-list-type="ul">No cable TV...  ~$500/year</li> <li data-xf-list-type="ul">Dial up internet instead of highspeed...  ~$250/year</li> <li data-xf-list-type="ul">Wife stays at home with kids, instead of sending them to daycare...  ~$10,000/year</li> <li data-xf-list-type="ul">Owning only one car (instead of two)...  ~$3000/year</li> <li data-xf-list-type="ul">Eating out one less time per week (~$20/week)...  ~$1000/year</li> <li data-xf-list-type="ul">Not drinking two cans of soda at work every day...  ~$350/year (and 200 less Calories every day <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f60e.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":cool:" title="Cool    :cool:"  data-smilie="6"data-shortname=":cool:" /> )</li> </ul>Do you see?  A lot of small savings can really start to add up. And there are a lot of things that we take for granted that we can really do without.Only use Air Conditioning or Heating when you must, otherwise, open windows or put on a sweater.  Switch to florescent lightbulbs.  Turn off lights when you aren't using them.  Buy $15 generic blue jeans, instead of $60 designer blue jeans.  Don't buy every WotC splat book that comes down the pike...  <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f642.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":)" title="Smile    :)"  data-smilie="1"data-shortname=":)" />.Don't own more than two credit cards.  Leave one at home, and put the other in the glove compartment of your car to be used only in the direst emergencies.Pay all of your bills first.  Then buy groceries.  For everything else, save up and buy it with cash.I hope you see what I mean.</blockquote>

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