Reply To: overspending
Terrified on how to survive when your contract ends? That fear/terror is where to start. Imagine that very future event happening and run a Click Track imagining the worst that can happen. Clearing this will give you a greater understanding of why you spend. Possibly there is a sense of security in doing so a feel good factor so you should Click Track feelings generated by not spending, what would it feel like if you didn't. Click track those!
Once these fears are removed then you can start working on creating a savings habit.