JANUARY Consume no alcohol or soda this month. All money that might have been spent on alcohol or soda gets stashed into a savings account. FEBRUARY Consume no junk food this month. (It's the shortest month of the year, you can do it.) All money that might have been spent on junk food gets stashed into a savings account. MARCH Don't buy a single new thing this month. If you need something, buy used or wait until next month. Put the money you would have spent on new items into a savings account. APRIL Pack your lunch every day this month. Try not to eat out even once. If you already pack your lunch, try packing a cheaper one. Peanut butter and jelly sandwiches cost just pennies. Put the money you save into savings. MAY Keep the AC off as long as you possibly can. Open the windows, drink ice water, and use fans to keep cool. Put the money you save into a savings account. JUNE Don't spend a dime on ...