I just remembered how my co-workers and I did one time to save money to buy a purse or any luxury item every pay period, I thought I'll share with you guys and maybe you can do it at your job or with friends and family members. It was maybe 15 of us, every pay period each person gives one person you can totally trust $100 (it could be more or could be less--is up to you). 15 people at $100 each is $1500 a pay period or week or every 2 weeks. We pull numbers and whatever number you get--that's the week one person gets the whole $1500 and then the following week whoever gets #2 gets another #1500 and so on. You use the money to splurge in whatever you want. Everyweek someone would get the money until all 15 people got their money. It was fun to see what everybody ended it up getting. You have to make sure everybody is trusworthy and would come up with the money everyweek if not lets say they get #1 they may dissapear with your money. I've done this a few times and use the money to splurge--is fun, I hope you like the idea--let me know if you need more explanation.