In the last post I wrote about how my most flexible personal expense is my discretionary spending on things such as restaurant meals and coffee shops. I find the best way to get spending in this area under control is to string together some days where I don't go into those places. If things work out, days turn into weeks, and I manage to not spend as much money as usual on stuff like that, and I can direct some money to pay off my credit card or pay for other things. I'm going to see if I can do that.