Does this article describe you, if so, it's time to scale back.
http://www.washingtonpost.com/wp-dyn/content/article/2008/02/01/AR2008020103934.html?hpid=topnews
1. Create a flexible spending plan.
2. Reconcile receipts with monthly statements.
3. Identify at least financial goals (short-term and long-term).
4. Identify needs vs. wants and see what areas you can reduce expenses.
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