When ever you spend over what you should, that is a symptom of bipolar.

It is important to educate yourself on finances and make the right choices, you don't need the best of everything, just what is reasonable for the money, you want to save. Keep a savings account.

What I use to do, was if I spent 9.50 then in the check book I wrote down 10.00 and kept doing that for months. It took the banker over night to figure out what I did with the check book but she fixed it and showed me 600 to the positive a few months later when I went to fix the book back.

Imagine what I would of saved if I did that for a year, you can think of it as a x-mas account.