Yup, these are all good points.
Me?  I have just recently found myself in a 
broken stupor thanks to overspending, and 
stressing out big time over not catching 
updates.  It's really getting to me, I was 
starting to fall into the pitt of demise!  I am 
lucky, I have a sizeable reserve of money to fall 
back on, but I use that reserve as ground 
zero...going into that reserve is like going into 
debt for me.  To change that, I have only focused 
on ONE show to collect from...well, two, or 
three, but only if the deal is very good.  That 
one show I like is my main control factor.  I try 
to look at a cel, and decide whether or not I 
will love it in a year, or two, or three.  If I 
will like a cel for more than that, I will buy 
it.  It's easy to get all caught up in this 
stuff, cause it's so damned fun to get new stuff, 
and show it off to everyone and watch them oooh, 
and ahhh over it.  But it's not worth getting 
into money trouble.  
I think writing out your priorities is a good way 
to get organized, and keep from overdoing it.  I 
just now over did it this month, this is the 
first time since I got back into the hobby that I 
have really botched my spending.  AND, now Im 
having to sell stuff I really like just go make 
up for some other things.  I will NEVER let this 
happen again, too much worrying whether or not 
I'll have enough for bills.  Good luck, and I 
hope all this helps a bit.  The best thing to do 
is just stay OFFLINE....I wish I could make 
myself do that....but...I..just, cant keep from 
looking..at...KEEP TRACK AND CELGA!!  
AHHHHHHHHH!! evil, Evil, EVILLLL!  **but it's a 
good evil**