We did this ages ago. Andrew used to complain that while we cut the crud we still had no money. Little did he know an extra $90 a month was being put onto the home loan. The mortgage is our only debt. He only just found out last week about the extra $90, and I have been doing it now for a good year or so.

We dropped Thursday night take-away, hiring DVD's, & buying magazine's willy nilly including the TV Week. I also stopped impulse buying. The "oh I might just go to the shop and while I am there I might buy a game for the PC, or a brand new DVD or something the boys just have to have but really don't need"

I also at the time cut up Andrew's ATM card. I would notice $10 here $15 there go out of the account once or twice a week. He has since re-gained an ATM card (we changed banks) but I am thinking of doing it again as it is starting to happen again.