<prompt> Human: Im making 80kyear and still cannot find a way to keep a balanced checkbook and stay away from overdraft fees.I have always struggled w handling my debt properly and making on time payments but have finally decided to get a handle on this and in the past 3 months Ive made over 15k but my account is always in the negative-just in September I paid my bank over 500 in overdraft fees Im bleeding and giving it to the bank. Any ideas on how to manage my expenses better? I have no savings, my IRA is minimal. I use this one account for everything, and theres a lot of movement on the account, should I get one acct for bills and another for play money. Im always in the hole and am ready to focus on my finances, all ideas will be reviewed.I want to manage this overdraft habit, and also create a savings schedule to feel secure.My expenses are about 24 of my income so there should be left over I just dont know where it goes.All the best Redittors  <response>: I would check out Dave Ramsey, and also, the budgeting system: You Need a Budget, or YNAB, for short. 