<prompt> Human: Hi guys- How do you change your mentality about money? Right now, money scares me. Failing at money scares me more, and as I took a look at my accounts today, it dawned on me: I started my first real job last year 36k out of college, and Ive managed to save zero - zero - for an emergency fund. I made a budget, planned all my expenses out. I automated my direct deposit, built in 200month savings, and I have nothing to show for it. I also opened up my first credit card, and now Im in the hole for 3000, with limited funds to pay it back each month. Its at 0 interest right now, but thats going to change in May 2013. I have a Mint account. I pay my bills on time. I pay my student loan down every month. This should be working, right? I guess I just cant get my mind around not spending. My whole mentality is one of avoidance. I think my extras are reasonable. Some goodwill clothes every two months. A dog walker for my super-energetic dog during the day. The occasional coffee in the morning. Lunch, sometimes. A pair of shoes. A book. Im not buying ridiculous things, right?But thats the problem. I justify everything, but in reality, Im spending more than I have. Any advice on changing my mindset, so I can actually start saving?  <response>: It sounds like you maybe have an impulse control spending issue? Whats your budget, did you actually stick to it? Were there any big things that came due that ate up your savings account, or lots of little things?Maybe try a cash only system? Put however much youve budgeted in your pocket for the week in straight up cash. Once youve spend the money, you dont have anything left, cant spend what you dont have. Leave any plastic debit or credit cards for emergencies only. 