September was a really great month for results on paying down balances, and it was practically effortless. Nothing was going on that month! October, November, and December on the other hand – different story. Traveling is a bigger part of my life now in Boston than it ever was when I was in New York. Traveling doesn’t just mean accounting for plane and train tickets, but also for spending money on going out with the people I don’t get to see for months at a time. Meeting up with people for brunch, dinner, and drinks can easily spiral out of control if there aren’t some limits. To give myself hard-stops on spending and in order to have fun within my means, I planned my allowances for each of the four major trips I will be making before 2015.