Removing casual – discretionary spending

Poor Pete. He just worked out from above that his available discretionary spend available is $320 a week not counting any surprises like a windfall, bonus, backpay adjustment. But he had been leaning on his credit and repaying.

He started his stupid little coin box. And he put his first coin in. Felt good it did. Don’t touch the bloody thing. It’s now got the etherical lock called ‘My Precious.’ Let it build up past 2x your normal casual discretary use of credit.