What is your mental response when balancing your checkbook, and there is more money going out than coming is? I need to make MORE money. Stop and breathe. Having a larger salary is always a good thing, however, till that windfall happens, let’s look at your spending. Is your spending out of control? Are you in a “debt spiral”? A few questions to ask yourself before your next purchase. Do I need this? Will I use it? Can I afford it? If you answer no to any of these questions, don’t buy it! Put your credit card or cash back in your wallet and go home. Pretty sure you feel better much when your balance checkbook next month.