A spoonful of sugar makes the reality check go down -- The Lazy Girl's Guide to Budgeting, fyi. Advice for us all. Ok, maybe just for me. :P And check out the Motley Fool's Spending Patch -- it's a little credit/debit card sleeve you print out and fold up, very crafty-like, and then you write down every single thing you use the card for...brilliant/scary.