I haven't done this in 19 months. Anyways, all that time ago I use to spend every penny of my paycheck even if it meant paying my bills at the last minute before delinquency. I would buy food, movies, video games, alcohol or go shopping on Ebay for hours. I'd stay at the computer till my account read $0.00 and I had bought products I sure wanted but definitely didn't need. So try to take a breath, step back, put that extra money in CD, or Christmas club savings account, or a friend or family member you can trust, who will hold onto till you need for bills or necessities. You can do it! THX for letting me share.