I have created a spreadsheet that enables me to track all of my financial tranactions for the current month and as many months in the future as I desire. It is like writing in a checkbook but there is no math involved. Using this spreadsheet, I won $3,000 in a debt payddown contest last year. If interested, email me at [personal info removed] and I will send it to you. Using this, I just caught the cable company increasing my monthly bill without notification - got that cancelled. Once completed you may have stress as to where needed money will come from but with this you will know how much is needed.