My husband and I have six children and own two businesses. We hang out together all the time, so I save this chart for the rare mini-getaway. If I have a destination in mind, I use the chart the traditional way and we schedule the trip after meeting the financial goal. The alternative is to stash a piece of cash for each line I color, so with 50 lines I will have at least $50 but with 5s, 10s, and 20s mixed in, I end up with a lot more cash, and we use those for more spontaneous days. I love this especially when I manage to get my husband to take a day off but rather than actually planning anything, I just tell him it's his day and hand him all the money I've saved. He gets a surprise and MUCH deserved day to do whatever he wants, and it's financially guilt free, which IMO is priceless.