[VaSteve]

Originally Posted by vash

i am a debit card guy, & i see my statement. i spend something everyday.

if i pack a lunch, make a thermos full of coffee, have some groceries in the fridge, full tank of fuel, i would still spend something. (i think)

You're talking about cash flows. Everyone else is talking accrual accounting. Unless you're an actual bum you are "spending" money even if not cash. Then again, assuming you're salaried, you're also earning money. Hopefully the net is in your favor.