Hi Alice - Sounds like you need a hand before you can't find your way outta your wallet! Start by taking a few steps to set up your budget to stick to each month. First, track your spending for a month. Take receipts and bill stubs, then categorize them and add them up. Looking at your spending, set a goal to cut back in all categories. Can you eat out less often? Must you drive everywhere you go? Turn off lights you don't need, and unplug large AC Adaptors while practicing water and gas conservation at home. Oh, and you may want to decline at least one Tea Party per month. Try this for 30 days and see if there's a difference. If so, try to make this a habit and cut down even more, little by little. We've personally helped our members reach their budget goals too with our BALANCE Financial Fitness programs that provide counseling and education on anything regarding finances.