Chapter two talks about his trademarked "Latte Factor", the acknowledgement that small daily spending drains your wallet. Another way to think about it is the saying, "If you watch your pennies, the dollars will take care of themselves".
I do my best to watch both the pennies and the dollars. I've been loosening the belt a bit, being okay with an occasional hot chocolate and a cheap 6 inch sub from Subway for dinner while I'm at Barnes and Noble, writing away. More than 90% of the time, I pack my lunch rather than buy it. And if I'm eating out, I either eat half of it and save it for the next day's lunch or order something cheap, like a cup of soup. I don't go out to eat to taste certain foods, I go out to be nourished and spend time with friends.
I'm not going to complete the exercises in this chapter because I have my budget set up well that I'm within the limits I want, and I have lived it for nearly a year. I know my "Latte Factor" and it's either a part of my frugal want or it's not a transaction.
I'm looking forward to getting this medical debt off my back, but what I really ought to do is STOP THINKING ABOUT FINANCIAL STUFF!
Yeah. I yelled. I'm in Barnes and Noble and I'm writing about finance, which is good, but I really should write a song. Play piano. Or flute. Something! That's my gift! I'm just getting worked up about things that won't be affecting me for the next 40 years.
I have my 401(k) and my Roth IRA set up. I have a budget that works and most, if not all, of my expenses are automatic. I don't have to worry about a darn thing.
Perhaps I should shift my focus to composing or minimalism or fasting or Bible study.
Here I come, piano. I've missed you!