<prompt> Human: I had a bit of a come to Jesus moment last night as I did my budget and worked out my monthly bills. Im waaayyy overspending each month, but never on big purchases. Its the 10-30 here and there, or the little things added to my shopping cart that are getting me. I know some of this is just that I need to buckle down and stop, but Im really struggling and always have. Any tips or tricks that worked for you?  <response>: Mint.com for budgeting net worth calculations. I also set up a betterment account to regularly and easily invest. If I choose not to go out to eat, I pay myself instead and put 20-50 in on top of the monthly auto. Having a lower checking account has helped keep the impulses to buy low as well. 