By Allison Winn Scotch, Woman's Day 07/15/05

I call it Empty Wallet Syndrome

You could swear that you hit the ATM just yesterday, but when you swing by the supermarket to get a few things for dinner, you open your wallet and... nothing! Or maybe your bank account is running on empty and you still have bills to pay. Lay down your credit cards and step away from the sales rack. It's time to get your cash flow under control. You can do this. Just change a few bad habits and reassess some of your bigger monthly expenses and, bingo, no more unpleasant surprises at the ATM.

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