This is something I know a lot of my friends resist doing, particularly those who are bad with numbers. One of the joys of being gainfully employed is that you don't have to worry as much about money; one of the many unpleasant aspects of being unemployed is you DO have to worry more about money. One way to alleviate a lot of stress, even though it may seem like a chore, is to "look the thing in the eye."
Find out how much you spend a month and what you're spending money on. See if there are any expenses that are adding up that you haven't thought about or could drop from your weekly spending habits...do you need a once-a-day Starbucks fix? Do you go eat out regularly? Could you make these things yourself at home (for half the cost)? Do you go to the movies a lot or spend money shopping or going out for drinks? Could you cut back on some of these things?
The goal is to go over your budget with close scrutiny and separate out things that are essential from things you can live without and see if there's anything you can cut. Initially you shouldn't "cut till you hurt," just see if you can trim the fat a bit.


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