I
 promise that you WILL want to save this post after you read it.  I have
 always thought I would be okay with money but what I lack is a routine,
 self-control, rules, discipline, and proper guidance.  I think I have 
all of these things but I don’t.  I recently learned a lot from Dave 
Ramsey and his books.  
I
 have started an envelope system that I’ve been using over the past few 
months.  I take my necessities, which are things that I spend money on 
each month, or every couple of months.  Yours may be different but mine 
are this: Groceries, Doctor copays and prescriptions, Vet, Dogs (food 
and pee pads), fun, restaurants, Car, Clothing, Gifts, Misc.  
I
 went to my budget and I figured out what I take home each month, then I
 took out all of my bills.  Then with the money I had left I decided how
 to divide it up each paycheck among the categories listed above.  To do
 this, you may need to look at your  bank statements and see how much of
 your money goes to each of your categories.   
Then,
 I went to Wal-Mart and found a coupon organizer (those little mini 
plastic expanding envelopes) and I purchased one for $0.97.  I labeled 
each pocket in it with a different category.  Then, I figured out for 
the upcoming paycheck (your amounts will vary each month depending on 
bills), how much money to take out in cash on payday and put in each 
envelope.  Then once I spend those amounts in that 2 week pay period, I 
can’t spend anymore and I can’t take from other envelopes.  After about a
 month of doing this, I quickly learned to be more careful of how much I
 spend.  Sure I thought $75 a week on groceries was a must but when you 
have to go through the store and you put items in your cart, you stop 
and say, WELLLLL I could save the $3 that I would spend on this for 
something better because this really isn’t worth it.  It hurts way more 
to spend cash than it does to swipe your card and scientific experiments
 have proven that. 
I
 also track where my money goes and I save my receipts.  I enter all of 
them into an excel spreadsheet I made and if I leftover money in each 
category I decide whether I should roll it into a different category, 
save it in that envelope to build up over time, or put it towards my 
debt or in my savings. 
So
 far, this has proven to be a great disciplinary budget system for me.  
Try it and see what you think!! And if you have any questions along the 
way PLEASE let me know!