Heck, it ain't hard to spend it all in one lump when you consider I only get to spend about 300 - 400 bucks a year before hubby starts to yell at me and turn all kinds of different shades of red grin Of course, the above amount does NOT include what I manage to stick on my Visa card, but until I get it paid off, it's out of commission (can you say Maxed Out, boys and girls?) Kate the not as Thrifty as she could be