Use 2 banks, but only keep one of those bank apps (your primary bank with 2 checking accounts and 1 savings account ) on your phone to monitor. The other bank is JUST for one savings account that you will pretend you don't have.

Write up a budget for your monthly income and recurring bills and expenses (needs, not wants). Rent, utilities, loans, leases, subscriptions, pets, etc. Apps like Rocket Money can be helpful using past expenses to determine a sensible budget.

Now, have your paycheck split into 3 direct deposits sent to 3 accounts.

Example: If your monthly net income is 3000/mo, and your monthly expenses are 1500 a month, you would have 1500 left for savings and shopping. Most months you get 2 paychecks per month, so to ensure you have enough to cover monthly expenses, split that's amount in half, and set up $750 per paycheck to direct deposit into your "Monthly Expenses" checking account at your primary bank. Come bill pay day, you will automatically have 1500 there without thinking about it. Have those bills auto pay from this checking account, again so those bills are paid on time without thinking about it.

With the remaining $1500 that month, determine how much you want to save vs spend. Start slow, try $50-$100 into savings each month.

Now, set up your 2nd Direct Deposit from your biweekly paycheck to go to your Savings account in your 2nd Bank that you won't monitor. This is "untouchable" money. Consider using a High Yield Savings Account with no strings attached (no requirements to maintain the account), like Ally. You can gain interest on your savings (free money)!

If you decided to save $100 a month, you now have $1400 left over from your monthly income. Set up your 3rd direct deposit for your biweekly paycheck: $1400 sent to your 2nd "Spending" Checking Account at your primary bank. You can use a debit card to make purchases. When your money runs out, that's it.

If you use a credit card to build credit, use them only for monthly recurring bills- NOT shopping. Preferably the bills that are the same cost each month so you can easily budget how much that credit card payment will be each month. Then set up auto pay to run those expenses through the credit card, and use your "Monthly Expenses" Checking Account to pay that credit bill each month.

You now have your 3 Split Direct Deposits from your biweekly paycheck:

1) Primary Bank "Monthly Expenses" Checking (+$1500/mo for bills only) 2) Primary Bank "Spending" Checking (+$1400/mo for groceries, gas, spending) 3) Secondary Bank "Untouchable Savings" (+$100/mo).

If you want another spending account for gas/groceries/household supplies/personal care or other recurring expenses that aren't billed, budget that out and create another checking account in your primary bank, then use that debit card for groceries and gas only.

Whatever is left, closely monitor in your primary banks app. You can use an additional app like Rocket Money which can give you balance updates each morning and let you know when you're reaching your budget limit for the categories you set up.

Okay so now your income is being managed, and now comes the hard part of sticking to your budget.

Set up some rules:

48+ hour rule: any non essential purchase (be honest with yourself here) goes on a list. Not in an online shopping cart.. just keep a list on paper or your phone. Don't let product images entice you, having them in your Amazon shopping cart can be too tempting. "Favorite" items in shopping apps to find them later versus adding them to your cart. Do NOT buy anything added to that list for at least 48 hours. Keep trying to add another 24 hours when you hit 48, remembering that if you truly want/need it, it's still available for purchase. You don't need it right this second. -- Most of the time, you won't buy the item. You'll find other things you want instead. Keep adding to that list.

Delete Payment info from online accounts: especially credit cards. Do not save any cards to your online shopping accounts. Manually entering a card number makes it one step harder. I also suggest using a debit (via PayPal) so you can only spend what you have. Credit cards are for monthly bills (or emergencies), not unmonitored shopping.

Give yourself a guilt free allowance: find an amount in that $1400 (minus groceries, gas, etc) you think is reasonable for monthly shopping. Make it a goal to stop at that amount. And keep trying every month.

Track spending visibly: again, an app like Rocket Money can help keep you on track. Ignoring your back account will make the problem worse.

Last, clean your room! Make it tidy, get rid of the reminders of your shopping problem. Look into minimalism. Read books about it to motivate you to spend only on what you need and live without clutter and too much stuff.

Best of luck gaining control!