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I see the $17 as a factor of her entertainment budget. Most people aren't going to live as shut-ins for the time-period they're paying off debt. And being a shut-in and never socializing isn't healthy for longevity. Since it's more realistic that someone will still have an entertainment category while one is paying off debt, it's best to set a monthly budget, and then consider whether $17 for dinner with friends is worth using up that piece of your entertainment for the month.

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Whether it's eating out or entertainment, shouldn't it be in the plan/budget? It seems like that is what you are saying.

It sounds like it was a last minute decision...not that there is anything wrong with that. Maybe there should be a category in the budget for spontaneous things.

Jean
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