Reply To: overspending
My suggestion is to remove as many of the fears as possible that drive your spending habit before working on any positive saving habits. If you can do this it will make the savings habit easy. The spending is emotional with quick (but short lived) gratification while the savings is logical and with very delayed and little sense of gratification. The emotions are stronger and more powerful than the reasoned save for a rainy day, you know it makes sense rationale. So you need to work with what ever of the Click Tracks works best for you first and keep going until you feel the difference.