One must first understand that more "STUFF" is more "STUFF". Less "STUFF" is more "FREEDOM" ... it is very true!!!! I also saw your list of bills and when I compare to mine I feel super sorry about myself and the amount extras that I pay... it made me realize that it's not about not having enough in my pocket anymore it's about cutting some things and getting some good deals when travelling as well... I remember paying a 230 night for a hotel in Buffalo NY and I think to myself... that is almost a ticket to Puerto Rico hahahaha once again thank you for sharing your thoughts here and keep in touch ... also how about that coconut oil market lately? hahaha JK have a good one!