I understand. I'm in the same situation. I got tired of spewing at the B&M and gave myself a fixed amount to play with. I resolved I wouldn't dig into my regular money and that my poker bankroll is only for poker. When it's gone, no more poker for a long time. That would be sad for me 'cause I love the game so. That's my motivation for taking it seriously. Actually, I've done really well at the micros only to take it to the B&M and blow it in live games and tourneys. Not sure why, 'cause the competition seems tougher online.