Read the stuffs that Shereen aka TAO (missed calling you this back in school) posted on her blog & I shall give my comments here since her tagboard keeps running away.
With regards to your request for tips on how to minimise your spendings, I think most have already been said by you while Saggy's suggestion is only applicable to ridiculous people like herself. She said she keeps on spending ALL her $$ but it never seems to run dry. So she actually doesn't need to save any money.
Anyway, there's this other bit that may help you- don't pamper your Rocky doggy too much. I noticed that u dressed him up as if it'll cost him his modelling career if he was to stay nude as he is.
Well, I have a pet too & no doubt the expenses dedicated to my cat very well surpassed my own, as the price of her food itself is like whoa!..excluding her shampoo (realised that I didnt wet her as often as I should), powder (same for this), vet appointments & whatnots. I ever thought of getting her a bed & even a leash and some other accessories but at the end of it, those are the stuffs that I'll buy for my cat if money isnt an issue. So like you've said, recognise your needs & postpone fulfilling your wants if you know you're gonna be cash-strapped. Of course this is superhard to do, cos temptations always set in, though it's very possible.
Next, Botox.
Weighing the pros & cons of Botox, I think the latter beats the other. But if you think otherwise & you can afford the cost of surgery and treatment, by all means. Just bear the consequences if things go wrong or its not up to your expectations.
Some people didnt (or have not) realise that they're already attractive without having to plaster their face or having those rainbow-coloured hair. They do these changes mainly because it's the in-thing or a must-do to be accepted by 'peers', not because they disapprove of their own imperfections. We have to look good, yes. But there are other less painful & inexpensive ways of doing it. Being pretty ultimately comes from within. Say, after going through the hassle of Botox & next day fate brought you into an accident that requires skin-grafting. Is your Botox worth it?
As there'll always be a bunch of conservative beings voicing out their thoughts or rather, complaining abt such stigma, transforming their way of thinking to that of a liberal soul, wont be as effective as how we want it to. So, everyone is spared for their own opinions...
Maia Lee- One hot Momma?
I've heard that she already has a kid out of wedlock, so not surprised if she bears another or as many as she wants without getting married. If she can afford to give proper upbringing to her children herself, why not? But at the end of the day, its the children that'll be the victims. Growing up to put up with the shame, insults & also finding the answer as to who their natural father really is plus other legal matters that may surface. Why complicate your life? Giving birth isnt a dare game. Like, "Eh I dare you to get pregnant & give out a baby from your 10cm passageway." And after nine months...."Tadaaa! I did it! So lemme spin the bottle now." Just get hitched to the love of your life & bore him his child. Easier said than done but hey, it's THE wise thing to do, no?