My favorite hobby is to try new restaurants. Eating out and exploring new restaurants is something I do frequently and my personal budget shows that. Fresh from my Sum180 interview and faced with the “where should we eat tonight?” question left me considering different alternatives. If we started to explore “off the beaten path” ethnic restaurants versus high priced downtown restaurants then I could pay down some credit card debt instead? Doesn’t sound nearly as exciting as a glass of Cabernet. But I tried it and it was great. Speaking with a friend about the dilemma she added that she makes this choice often and even goes one step further. She logs into online banking and estimates how much she saved on the dinner and makes a payment on her credit card. I had never considered making more than one payment in a month. I did and it felt (almost) as good as a glass of cabernet.