Start at the very beginning... $1000.

Today's ledger is at $1000. I'm going to use it to take the beach vacation that I've been thinking about all winter long. All-inclusive on a beach. Margaritas, fresh fruit, sand, sun and suntan lotion.

I'll sleep in late, read books on the beach, stay offline the whole time. Get sand in between my toes and a sunburn between my shoulders.

Dance, drink and be merry. Come back to the midwest glowing and ready for the rest of the winter.