Spending too much

[judy]

I have to cut back on my spending. For the past 3 months, I have spent too much money. Even though it was Christmas, and I am buying things for the house, I still feel that I am overspending.

I will go online and look for things I need, find the best price and buy them. I also love sending presents to my grandchildren. I can still shop and all, but I like to have more savings than I have now. I am always worried that my car will break down, so I need enough for another (used) car, plus I don't want that to wipe me out. I also need to know that I have a reserve in case anything in the house needs fixing. I also just want to know that I have some money to fall back on, just in case of anything.

Wish me luck! I do love to shop!