Complete a Budget Worksheet _ I would urge everybody to sit down with a budget worksheet once in awhile. But you really need to do this if you think your finances are out of control. The form should not take that long to fill out either. It is not important for you to be 100% accurate. It is important for you to understand how your family finances are working for you.
Consider putting yourself back on cash. If you think you shop impulsively because it is so easy to use plastic, try to give yourself a cash allowance every week. You may go over the allowance, but you will have to go to some effort to replenish it. This can be a great way to get a handle on spending.