I started the FTJ project with the best of intentions. Then, slowly, it slipped away. I still read all the steps and lots of posts, but didn't consider myself "on" the program.
And still. When I did the budget for the month of May, I couldn't quite believe my eyes! Thousands of dollars where there used to be none! (We're working on building an emergency fund of 6 months of expenses.) I even discovered an account that had been automatically depositing $100 a month, had totally forgotten about, and now has $3500!
All the extra cash makes me feel like I want to splurge on some things - I get the same warm, fuzzy feeling I always have when I'm about to treat myself. But, the funny thing is, when I get something in my cart, most of the time I find myself reconsidering and deciding it's just not worth it!
FTJ by osmosis, I guess!