Well, I've had three out of six months with large purchases and three that were $0, $25, and $50 respectively. I track exercise and stamp to spend, but often have overspent. The numbers so far this year are: earned $177, spent $627.85, so I overspent by $450.85. This is still not bad for me, especially since I invested in several sets of nestabilities. I expect my spending to go way down now as many of these purchases would have been spread out over the year, but ended up being bunched together because I am quitting my job and won't be able to purchase them without money coming in. I do plan to start making cards to sell, so with any luck, I will "get my money back". I guess I'll see how that goes. I'd keep my fingers crossed, but then I couldn't make any cards!