We lived by Dave Ramsy’s philosophy long before he came on the scene, so I can attest it works. We kept envelopes in the desk & added cash to them, just like he advises now. Christmas came, we had money. School shopping came, we had money. New tires needed, we had money. Right now I told DH we don’t need to buy meat until we run low. He loves to read the weekly grocery ads & stock pile. As for quilting, I don’t have a large stash, but I could make it my business to find enough on hand to keep busy for a long while, if I just apply myself.