Ah, there it is...

Here's what I just (re)learned. If you find yourself overspending, or even potentially overspending, do an honest, complete budget. And then look at it. Part of the nature of a budget is that it will tell you exactly what you have (which is also what you don't have), what you will have as time goes by and what will be left at any point along the way. If it's done right, there's no mystery.

I miss the mystery.

But, hey, at least my spending has screeched to a halt.