Thank you for the requesting my help.
Your first step in dealing with this is to realize that it is normal to have a limit in your mind to what you feel your safety zone is for your savings and budget. Most people who are conscientious about their income and spending habits usually are very aware of their limits. So this shows you are being healthy about your financial situation.
The next step is to understand that nearing your budget limit has made you feel out of control. People who are good with their money often associate difficult financial times with feeling out of control. Picture someone who has lost their job. Most people feel frightened, upset and out of control. This is a normal reaction.
Third, start a plan on how to gain control again. Seeking out a small part time job, taking a hard look at where you can cut costs, and exploring other options can all help you feel better about your budget.
Is it possible for you to make extra money? If you cannot work an outside job, how about something like Ebay? Scour garage sales, research what is valuable or could make some money and try selling. It may not make you a lot, but the extra few dollars could help you pay a bill here or there.
There are also survey sites on line you can try. Research reputable ones and sign up.
Do side jobs for neighbors or family for extra cash.
Those are some examples of things you can try to help you gain control again and feel better about your money.
I hope this has helped,