What I've done to help myself is that I have my bills come out of my account the same day I get paid, so at least I know that is taken care of. And I split my bills up based on due dates and pay dates. It takes a lot of planning, but then the money that is left over is available to spend. But credit cards are the real problem. I don't trust myself with those after past experience, and I think that's where people can get into trouble. So I don't have them anymore and it has helped immensely.