How to Conquer Frugal Fatigue and Stick to a Proper Budget

If "frugal fatigue" is kicking in -- and you're getting tired of pinching pennies and watching every dollar you spend -- it's time to re-energize yourself and make a fresh commitment to managing your money wisely.

To make ends meet the past three years, Americans have been eating out less, curtailing shopping, making do with older cars, and even buying smaller homes.

Now comes word that many of us are growing weary of all this cost-cutting and saving money.

According to the 2011 Financial Literacy Survey from the National Foundation for Credit Counseling, more than half of all Americans say they don't use a budget. Also, 26% of adults in the U.S. admit that they're spending more than they did a year ago. And 40% of consumers are still battling unpaid credit card debt month to month.