Guys Gals not all of us handle our accounts the same way. I set goals based off of my play money I have savings but buying hobbies is not what it is for. I allocate a certain amount of play money each month and within a few dollars I make choices between what I want for example I am going to get This upgrade but I also need to within a few months buy a case of reams of paper that I use for note taking artist skills stuff like that I read books and write out the important points. Then I also plan to subscribe to course hero for my working papers for school so I have goals set up. But I allocate an allowance and within that allowance I can do what I want. Then I plan to answer tough questions put to musical rhythms using mathematica and maple words. When I get done with that I will blog it provided it is decent!!! I my mind thinks right some days but some days it won't