Denise, boy do I know how you feel! Sometimes I take a somewhat 'oh well' approach - just tell myself to stop stressing over finances. Sometimes it works a little, although it doesn't mean that I slack off from paying bills or anything like that, just stop stressing.

My husband and I get paid every other Thursday, both on the same day. So every year, there are two months that we each get an extra paycheck. So, we think we'll be ahead then, right? NOPE! I swear, every time we get an extra paycheck, something happens...case in point - this month is extra paycheck month and guess what? Our refrigerator pretty much quite on us! Of course! So guess what that extra pay is getting us this time? ARG!