Well, even though I haven't as yet read the financial book that everyone raves about by Dave Ramsey. I do know through family and friends some of the things that it talks about. One of the things is to use a cash system. Once you are out of cash....you are out of luck. (kind-of) We have started doing cash this week and already I am realizing that we have forgotten some things. And we really need to have our gas money seperate from the other money. Although I don't think we will make it to the end of the week, it has been a good lesson. And even though we got bucked from the financial horse, we will climb up again....and again.... and again. I know that eventually we will get it down and I figure it is better to at least try than to not do any thing at all.