Does your money disappear before the end of the month? Do you end-up with more month than money? When your money runs out, do you still have bills to pay?
If you answered yes to any of these questions, then you don’t have a money problem. You have a management problem that is you need to learn to manage your money. You need to tell your money where to go not have it tell you that it’s gone.
The easiest and simplest way to manage your money is by using a spending plan/budget. If you use a spending plan, you can allocate specific amounts to each expense. The key then is to stick to your plan. If you just make the plan and don’t use it, then it does not do you any good.
You also need to cut-up your credit cards and put away your debit cards and your checkbook. You need to operate using cash. For those bills like your utilities you can send payment to them directly from their web sites. If they don’t offer that service for free, then send them a check. However, you need to make sure that you budget for all of your utilities.
Spend your money on paper (budget) first before you actually spend it. By doing this you can see where you might need to adjust your expenses. If you need a spending plan/budget, go to the downloads and get for free. Then, start using it.