The Rules

1. Do not use my credit card. If an emergency arises, that is the only time that that evil plastic card is used.
2. Hit my credit card payoff goal each month. Only in emergencies is it okay to dip into this money.
3. Hit my savings goal every month. Only in emergencies is it okay to dip into this money.
4. With any extra money, I can only splurge on experiences, not things. In learning to "simply make do," I don't want to shut myself inside and reject any chance to spend with those important to me. It will be important to set boundaries though. When the money just ain't there to join a pal for a drink, it just ain't there.
5. Stop the constant transferring between my checking and savings. 
6. Give myself down time. Accept that my weekends will include the usual grocery shopping and chores, and that's okay, but it's also definitely okay to take a break.  And just do nothing. Or watch hours of mindless trash TV.