My cousin Dorothy always gave me good advice. One time she told me there is nothing that cannot be accomplished when one plans ahead of time. When my identity was compromised a few years ago, I quit using plastic to pay for things - well with the exception of airline flights and a few things from Amazon. Since then we saved every five dollar bill that came along. It is amazing how they add up. We also made mythical monthly car payments. When Toyota had an Employee for a Day event recently, we could not resist.