As you know, I changed jobs last September. I took a big pay cut. I AM much happier than I was with the state. I like my job, the freedom and flexibility. However, I seem to be living in the manner of the old pay rate. This is not good. I was looking at ways to get my spending in check. I know tons of people who swear by Dave Ramsey. My grandma always used the envelope system for money. I think I may start doing that. I am much more cognizant of money when I actually see what I have. I am far too dependent on just swiping my debit card and not worrying about it.