Generating pocket change again

Subway is my main stop for lunch on most days. In the past, I've usually paid with a debit card, however I'm starting to switch to cash. I see it as a win-win for both me and the franchise. With the cost of the daily special and chips coming out to $4.25, I get my lunch plus 75 cents, and the franchise does not have to pay bank charges.

Using cash instead of my debit or credit card again will be necessary to generate the pocket change I need to continue investing in my program. $43 deposits over the course of the year just isn't going to cut it.

Deposit

Tomorrow I'll have $43 to invest, thanks to my latest deposit. My last deposit of $73 on 4/18/06 was almost a year ago, meaning over the course of a year I've only generated $43 in change?!? This means that I'm using my debit card too much.

It just goes to show that this strategy is a slow process, you're not going to get rich overnight. But, the thing that makes this strategy great are the lessons learned:

1. It's not hard to start investing.
   
2. It's easy to save.
3. Large sums of money can be build over time.
4. (You fill in the blank)
   

This list could go on and on. In order to stay 100% invested, I'll be researching my next purchase. I should probably be building on my Chevron holding, but I'm not happy it's up over $74.

New addition to the family.

As most of you know, Altria (NYSE: MO) just spun off Kraft (NYSE: KFT) yesterday, giving current shareholders 0.7 shares of KFT for every MO share, that would be about 3.7 shares for me. I'm not sure if I should hold or sell right now, but for the meanwhile I'll be holding, even though the stock is down. In a small account where I'm trying to minimize trading costs, I'm trying not to sell as much as possible.