learningtogrow,
I have had a very similar experience. A few things that have helped me is to set up money rules and tweak them until I can follow them to the T.
One of my newer money game rules is that I am now on a cash only system. I know how much I need to survive and pay my bills each pay period, so when I get paid, I take out as much cash as I've forecasted for this month's expenses.
I pay for my daily expenses with cash and my Jar expenses with a debit card, because that forces me to only use money I already have. (I use the money jars system.)
It's been a lot more fun than I thought it would since I play it like a game and keep my eyes open for good deals. I'm surprised that even when I think I've overspent for this period, I often end up with leftovers! (I usually take out $175, just enough for $3.50 a meal, and have ended up with as much as $80 leftover.)
A few cool things have happened because of this. Since I've shown the universe that I'm sticking to my money rules, it's been providing the things that I wanted in other ways. For instance, I wanted to sign up with a particularly cool course. I thought it would be fun, but didn't have the $7,000 for it. I stuck to my rules rather than taking out a loan.
Two months later, I find that I'm going to be at that course assisting the teachers as staff and they are going to pay me!
Another thing that I've found massively useful in changing my limiting money beliefs is doing the Wallet Process from Esther Hicks' book "Ask and it is Given" (Actually, I think that process created much bigger, quicker change and helped my money game more than I at first realized)
Go for it!
Rebecca
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