Sticking to the list

I went grocery shopping yesterday and stuck to my list.  In fact after using $2.75 in coupons I only spent $44.83 which is way below my $60 budget.  I would definitely suggest that people use a list when shopping.  Totally out of the blue, I also recieved a dividend check from State Farm for $58.90 in the mail yesterday.  I will put it in my savings to help replace some of the funds I took out for my recent trip to France.  Iput my info in the Pudding Index andwas unhappy to see that I am in the high 30’s.   I have a lot of savings to catch up on.  Since my raise earlier this month I am saving 11% of my salary in my 401k which is about $444 each paycheck.  During 2007 I have saved $100 each month in my Roth IRA although this month I invested $200.  My emergency fund grows by $175 each paycheck although I have been having to borrow from it lately and will have to borrow again this month to pay my Amex bill.