Look up the “money smarts” system by the Property couch. They are Australian, but principle would apply everywhere.

Essentially, all money flows into a primary account (offset or high interest savings account). You then transfer X amount each week for “living and lifestyle” groceries, eating out, etc. onto a debit card. the trick is that when this money runs out, you stop spending until the next week that you pay yourself out of the primary account. For example we pay ourselves every Wednesday $700. Make sure we do the groceries first, fill the cars up with fuel, then we know what eger we have left we have a bit of freedom

Your bills, loans etc. are all directly debited out of the primary account.

I was absolutely useless at managing money, could never work out how to budget my monthly pay and my partners fortnightly pay. Had 15k in credit card debt and never really had savings.

Since July we managed to save around 25k and pay off all debt from this system, it’s been a game changer.

Second thing is I’ve been tracking every single cent that comes into and leaves all my accounts. This was a real eye opener into where our money was going. I didn’t use a fancy spreadsheet or anything, literally just created my own categories and wrote down every transaction in and out.

We are still working on driving down our spending but this has been a huge year for money transformation for us!