First pay off all bills, then grocery shop, throw 20% of whats left over in my savings, then spend a little on ponies! =) If I cant remember my balance, I use my credit card. I havnt bought anything in a while though since all im after is the Funrise Applejack! =O Might try to find a few masquerade ponies at TRU, need Pinkie and Fluttershy from that set! =)