I am going to make it work. It wasn't that I was struggling its just I saw where such a large portion of my cashflow was going and I KNEW I could put it to much better use. I am trying not to be so frivolous in my spending and actually try to save for the things I want instead of "Oh I want that, let me buy it now" I need to get the discipline to be able to hold back. I am sure that as I see that nest egg/rainy day/savings $$$ pot grow I will feel more confident in never going back to my old ways. I have the plan in my head and I am viciously putting it into effect :-)