Kristin, thanks for the tip. This was a light bulb moment, as I recently purchased something that would fall into this category...that is, it was something that was way more than what I was willing to pay, but I did anyways. Of course I had budgeted for it, but still...

For those who don’t want to use a website budget planner or money manager sit, http://www.poweroverlife.com/b... has DIY Budgeting PDF templates, Excel spreadsheets, and calculators. I just started using them and they have been helpful.