Susan keeps a list of her recurring monthly expenses in order of their auto-withdrawal tacked in a secluded spot in her kitchen. She finds this list comforting, and isn't worried about anyone seeing it unless they like to poke around in non-descript areas of utilitarian rooms. Plus, who cares anyway? 

She's able to live within the confines of her salary as long as she doesn't spend more than she has in the bank. The other day Susan updated her refrigerator list and used that opportunity to investigate where the rest of her money goes each month. The holidays and a few unexpected domestic infrastructure emergencies skewed the results, but that notwithstanding, Susan learned she needs to spend less money. 

Susan's not in the habit of following a budget, she's got a natural thriftiness that keeps her largely in line. For instance she's outfitted much of her house from FB Marketplace & estate sales, but every once in a while she's got to spend $150 on a fancy electric kettle that she never really liked. 

A good portion of Susan's extraneous expenses involve food and gas, but she's also got a bit of a glittery disco ball habit. Anyway, Susan's considering a budget, or maybe a spending fast, she's not yet sure. She's very good at setting limits and sticking to them until she loses interest or revises them. 

One of the biggest reasons Susan moved to NC was to escape the financial stranglehold of her beloved NY, she makes less money where she is but things cost less, so it's kinda a draw. Only cheese and dry cleaning don't cost less. Recently Susan purchased a wool coat from the thrift store, she took a chance on the color but it didn't bother her to think she may end up re-donating it. Then she had it dry cleaned. 

Now she has to wear it.