I used to have a hard time controlling my spending. A while ago I wanted to be a better steward of what we've been given. So I told my husband that I wanted an allowance. I get my cash every payday and use it for my books, fabric, etc. If it's a gift for someone, the general fund pays for it. If I just want it, I pay for it. It works very well. I think more about my purchases and don't feel guilty for what I spend.