the budget thing is a great idea - to move forward yu have to find out where you are and where your money goes exactly - even if its scary - and beleive me for me it was - i had been in denial for ages -

2nd step - in all the things ive read it says pay yourself first - ive read that even if you cant afford it - especially if you cant afford it - put away the same amount of money every week or fortnioght when you get your money - even if its $5 - just a regular amount - make it hard to get to if you can - like an internet account where you have to transfer it back to get to it - that should slow down you using it
- i have trouble wiht this cos if the moneys there and a bil comes in i use it but thats wrong - you have to save it .

anyway thats my 2 cents worth. Remember $1 a week comes to $52 a year that you wouldnt have had saved - good luck

I cant remember the name of the guy but theres a book called rich dad poor dad thats really good and your library should have it - its about financial habits and really easy to read (i need that )