Is the PFD check something that you usually budget for? That is, when that money shows up are you using it for covering known expenses, making ends meet, or are you looking at what size HDTV you can buy? If it is the latter, maybe you can use that PFD check to fund your new investment account with a large chunk of cash.
If you haven't already, you should definitely check out the Tilted Frugality thread. There are tons of tips there on how to save money on everything from entertainment to food to energy costs. Every dollar saved can be another dollar that you could invest. Frugal living can be kind of addictive in a good way. Once you get started you may find yourself pushing to see how much further you can take it.
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