It is such a scary time to be fooling around with our money. I have learned to really decide what is a need and what is a want. Make a list of everything you spend money on and put it in a want or a need category. It will be surprising. And remember what really constitutes as a need. I know it will mean differently to different people, however I just try to think about what it mean to have sufficient for our needs. Good to at least think about.