I'm trying hard to watch our money. No using credit cards AT ALL! If we don't have the cash, we don't get it. I have our bills set up on a monthly calendar, and I make sure to plan ahead if we go anywhere (i.e., we eat or bring snacks to the theme parks!). I also don't go the the store to "browse" anymore, and I'm much more careful with the amount of gas I use, especially since the price keeps climbing! I'm getting ideas for fun, at-home or nearby or free things to do this summer, and you know what? I don't mind it! It certainly cuts down on the guilt factor of should I/shouldn't I regarding purchases, and I find the stress isn't there as much. Except when I look into our bank account online. Which I don't try to do... much.