Extra Money and the Lesson of PTC: How do you make financial plans?

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It is rather humbling to earn a few cents a day, but earning from paid-to-click (PTC) sites has been a great learning experience for me. And the most important lesson: Each penny adds up to a dollar. After repeatedly clicking and posting a thousand times, I'm beginning to develop the habit of thinking about my financial future in terms of successive actions. It is hard to resist because I've seen these sequence of actions at work everyday at PTC sites and here at myLot. Even now, I'm thinking that the annual fee for my Visa debit card can be covered by a month or so of posting here at myLot. Or, if I want something easy, it would take me about nine months at NeoBux to raise the money. Of course, this is just one item in my list of expenses. I'm actually expanding my perspective to cover more. How about you? What have you learned from PTC?