I've recently made an enormous change in how I construct my budgets.

I, like most people who actually make budgets, tend to make very detailed budgets. I like to break my spending plan down three ways from Sunday...and well beyond the point of reason. There are be categories for snacks, and restaurants, and coffee, and fast food, and groceries - and each would be planned out in meticulous detail.

Believe it or not, I wasn't always the mildly successful, Subaru-driving, lower-middle-class, worker bee I am today. I was a full time college student once, and had a few periods where I lived in desperately small spaces.

It was good for me though. In fact one of those spaces made me the tidy, organized fellow I find myself today.