My tip follows on the heels of the tip in this months newsletter. The woman in the newsletter transfers money into her savings account whenever her husband goes out to lunch or for a drink after work.
My husband just loves those scratch off lottery tickets, and most of the time he has good success so he can play off the winnings; but not always. So whenever he uses fresh cash to buy those tickets, I get ten dollars and transfer it into a vacation kitty. Along with the money I put into the fund out of my paycheck this allows us to go on a cruise ever year. I also get 10 over when I go to the grocery store and put that into the vacation fund.