How to survive: Part 2.

Record every expense. I learned this from the phenomenal book Your Money or Your Life. Record in a small notebook everything you spend. Do it for about 6 months. You will be shocked at where your money goes. Once you get a good idea about where it's going, then you can decide how much of that should be going to you. Yes! One of those categories should be "Me". Pay yourself as you would pay a credit card or mortgage company. In fact, do it first.