I've over spent too many times over the years. This is one of the first times I've had money this late into the month. Usually I am dead broke by the 2nd week. I would suggest giving your cards to family to hold and don't save card info on shopping sites. When you have to go shopping take only what you intend to spend in cash. Better yet what I use to do was have my mom hold my money and she would give me a weekly allowance to spend. If I spent it that was it. Of course when that was happening I was in deep. She would make sure I payed my bills. Keep in mind I was married while this was happening. It was kind of embarrassing. So basically she took over my finances until I was well enough to do it on my own. I'm not 100% better but at least the bills get paid now before anything else happens. I am back to taking care of my own money and bills. So basically my mom was responsible for making sure my household bills got paid. My husband is just as bad with money as me. We both have mental disorders. We rely on our families for help sometimes. Anyways, just my suggestions. Good luck.