feeling desperate sometimes leads to mini splurge spending

Some times we know we should be more careful with our money, but when things are looking desperate, the little things seem less important. We are more likely to treat ourselves for living in such difficulty. We know on some level it's counterproductive, but we do it anyway. Especially if we are short and using credit or dipping into previously untouched savings to bail out, it's hard to be as tight as we should be. I don't want to be the bearer of bad news, but hard times might be here for quite a bit longer yet. Don't let them take you under. Restraint now will make your safety net last longer than it would otherwise. In the meantime, keep looking out for ways to make more, tuck more aside, and cut from places you haven't yet. If you need inspiration, sign out "The Tightwad Gazette" from your local library.