30 Challenges: choose one

I'm beginning to see that if I adopt all 30 of these challenges I'll likely need much more time in the day. I realize now that these challenges are suggestions: choose one and stick with it for 30 days. Okay. I'll choose two:

1. Pay down debt and don’t create any new debt for 30 days. – Live well below your means. Don’t buy stuff you don’t need. Sleep on big purchases. Create a budget and savings plan and stick to them. For the next 30 days pay for things in cash and micro-manage every cent you make and spend. Read I Will Teach You To Be Rich. [actually 27]
2. Document every day with one photograph and one paragraph. – For 30 days bring a camera with you wherever you go. Do your best to take one photograph that represents a standout experience from each day. Then, before you go to bed each night, write one paragraph in a notebook or journal that highlights your day. If do it all digitally you can unite your daily photograph and paragraph in one digital space (like a personal blog), which can be easily reviewed in the future. Many moons from now these old photos and journal entries will ignite your recollection of interesting memories you would have otherwise forgotten. [actually 30]

I'm ashamed to admit I'm 40 years old and have never kept a budget. I'm like Foofie, as described by Stanzi in Amadeus: "I don't mean that he's lazy, because he works all day long. It's just that he's not practical. Money simply slips through his fingers. It's ridiculous."

I'm ashamed to admit that I am lazy. If I weren't so lazy, I'd track my spending and understand exactly how much I can afford to pay for rent, utilities, groceries, etc. I'd know where I spend each of my pennies, even the ones I find. Time to go read I Will Teach You to Be Rich.