Organize Your Monthly Expenses
You will need to take inventory of your expenses on a monthly basis. There are two kinds of expenses: fixed and variable. Fixed expenses are things that you know are going to happen every month.
Identify Your Irregular Expenses
Monthly expenses only tell a part of the story. What about birthdays, anniversaries, and the holiday season? You will eliminate financial stress when you begin handling money proactively instead of reactive.
Once you have a stable footing, do not obsessively check your accounts every day. Remember, mistakes are a necessary part of this journey. Take note of your mistake, forgive yourself, and do not make it again.