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Let's get right to it.  You're spending your way into oblivion.  Here are some ways to help you slow that down and keep some bucks in your bank account.


·     Stop indulging in the little things.  Do you really need a latte, when a regular coffee will do?


·     Don't let the news get to you.  World events will always be shaky, and they'll always be presented with a certain urgency that may or may not be that relevant to your life.  Try to take a larger perspective and let it go.  You an.


·     Don't budget every single penny.  You can set up simple systems to take care of your finances automatically.