I am getting more and more into what I`ve been into lately. For the first time in my life I am finding myself spending up to my limit each month and I wonder why I haven`t thought of this before... When I start to dip into my savings I know I`ve gone too far, but right now I am on even and loving it. The past couple months have been the least stressful in the last 7 or 8 years. I cut my hours at work back to 20 hours a week and at the same time have replaced at least some of the pay cut with my own things that I really enjoy. This has made all the difference.