Do you spend without thinking? Do you have a very strict budget where all expenses are journalized? When i first moved out from my parents house 6-7 years ago i got a huge wakeup call about money management and how expensive things are. From buying your groceries, to paying utilities/TV/Internet, to going to the pharmacy. I could have never expected life to cost so much. The first couple of years i struggled, and even though i was technically making enough money to live on my own fine, i would come up short at the end of the month. CC account went up and soon i was in a decent amount of debt. One day i looked at how much money was spent in convenience stores, restaurants, etc and was shocked. I've stabilized over the years and recently became a home owner, i could have never done it without a very strict budget. I'm paid bi-monthly and everything is set up according to those 2 paydays. I basically do my budget twice per month, on payday. Each monthly bill is linked with one of the two paydays. I pay them off immediately. I have a seperate account for gasoline and groceries/pharmacy items. I transfer fixed amounts of money to that account when i'm paid. In the end, i'm left with my savings. I allow myself some personal spending money, and the rest is transfered into placements and a savings account. I don't have any card that gives me access to my savings. If i want to dip into it, i need to go to the bank, and wait in line for a tellar. This discourages me from dipping into it when i'm low stack. I use my CC for all my expenses, but when i get home pay it off immediately. Its just to build a good credit line, I don't like spending money that i don't have. How do you do it?