I do the majority of our shopping at Aldi, an inexpensive grocery store that makes you bag your own groceries and pay a quarter to get a shopping cart.
You can have your quarter back if you return the cart to the corral, but if you don't...well, then the quarter is stuck in the shopping cart for the next person to use.
Back when I had recently relinquished my job as household budgeter extraordinaire to my husband (who enjoys it much more than I ever did), I was walking out of Aldi pushing a shopping cart bulging with newly purchased consumables, when I noticed that people were leaving their carts next to their vehicles instead of returning them. It happened to be raining and people apparently melt in the rain.
Being the thrifty person I am, I decided that there was some real money to be made by taking everyone's carts back to the store.
I quickly loaded my groceries and then gathered up the shopping carts that were scattered in haste because of the downpour.
I made one whole dollar that day. A real dollar. As I sat in my car looking at those four glistening quarters, I decided I should reward myself with some coffee from McDonald's for my labors.
I also knew that if I took those four quarters home and showed my even-more-frugal-than-my-awesome-thrifty-self husband, he'd say we'd first need to set aside a portion for the church and then spread the rest throughout the various line items in our budget.
So, I quickly hid the quarters deep in my pocket, vowing that I'd spend them before he could deposit them into our bank account.
I bought the coffee and savored the fruit of my labor.
Sip, sip, sip.
Nate would never budget my four precious quarters.
Because I already did.