Wayfarer2
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I have one card I use all summer and then pay off all winter. Then the other card I use all winter and pay off all summer.
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and now a BOAT?
The good thing is that, now that we have the boat (and hopefully the boat will have a finite amount of equipment IT needs), the only thing after that that I can think of to buy is an island, and we can't afford that . . .
Don't drink!!!!
I found a solution for that, just brew your own! It's cheaper. Once you've got all the equipment you need . . . . Kind of like diving . . . .
Ken
Now hold on a sec a boat is a completely separate hobby/sport aka black hole of money and in no way should reduce your diving budget.
Oh yeah…..My wife and I are in to large scale live steam railroading. You know like Walt Disney had in his back yard, the kind you can ride on. Let’s see……..closing in on six figures there.
I plan and prepare an annual budget for the coming year each December, based upon a projection of my annual income for the coming year. Sample budget for 2008 is as follows:
Estimated Annual Disposable Income......................$100,000.00
Budged Proposal:
1. Home Maintenance............................$750.00
2. Food ..............................................$750.00
3. Auto Repair & Expenses.......................$750.00
4. Insurance.........................................$750.00
5. Birthday, Anniversary, Christmas &
Valentine gifts for wife.........................$ 10.00
6 Travel (non Scuba related)....................$ 50.00
7 Travel -Scuba Related.........................$20,000.00
8. Purchases of Esssentials (non Scuba).....$50.00
9 Purchases of Essentials-Scuba...............$20,000.00
10 Live Aboard & All Inclusive Fees............$40,000.00
11. Reserve for unbudgeted Scuba
Expenses .........................................$18,250.00
This system works well for me..........try it and let me know how it works for you