Watch for frustration with your bank account right now. You can get a handle on the stress your money issues are causing, but only if you keep cool. Now is not the time to react with dramatic and panicky changes. Cut back on your budget too much and you'll only beat yourself up when you aren't able to live with such stringent guidelines. You can find a middle ground, making small changes that will make a big difference over time. Do not be impatient about this.