Be vigilante when it comes to budgeting, and never give up at reconciling your small purchases. Collect all your receipts and account for those small transactions in Excel. It is so easy to make a calculation error that you have to be on your toes and expect a crisis everytime you open your spreadsheet. Nevermind, you are in control. Do not be frightened. So long as you KNOW who it is you do business with, and when the money comes out of your account, you are already better off than 90% of those in debt.