hope it's not too late to join...Since it's only the 4th, I'd like to jump in while I can still remember my expenses over the last few days.
I'm L, full time college student, no kids yet, hoping to start a family in a few years. I'm going to have about $50k in loans to pay off when I graduate in 2 years. I'm going to be taking 5 classes this upcoming semester, and work about 20 hours/week. Right now I'm working at an internship that will end in mid-September. Most months my expenses are more than my income. I'll be trying to get my expenses down as close to my income level as possible. I love the idea of the spending keys, here's mine:
: no money spent
: planned expenses or necessities, stayed on track (e.g. paid rent but didn't buy coffee)
: frivolous spending
2: $40 on groceries, had some family in town and spent $13 on unnecessary purchases when I went shopping with them
3: was unprepared for a workday that I knew was going to be busy, and ended up having dinner out: $12 on 2 rolls of sushi and a drink.
5,6,7: I'm interning on a huge project right now that will be a month long art installation. We just starting rolling out the installation this week, and I've been pulling looooong days, leaving me no time to cook. So I've eaten out Wed, Thu, and Fri.:
8: Back on track. Picked up the CSA share (money already spent back in June), and we just got a dvd in the mail today which we'll watch tonight, so no money spent today.
Good luck to everyone out there!