<prompt> Human: Where to even start.Im about to move from about 35k to 85k which is pretty big lifestyle change. But Im also moving from FL to NY which will be a change in tax burden and rentliving expense.My credit is completely garbage- I had some medical procedures and those bills went to collections. I had credit cards I stopped paying on that I could go and pay with this new job which I fully intend to do and have already called to suspend them from being sent off to collections. Just a whole host of nonsense that I have to manage there.But the larger problem is spending what I make. Ive just always been shit at managing my finances. Im curious if anyone here has developed tools to help yourself to become more frugal without becoming stressed over each expense. I worry every day about money. I want to get rid of that stress, but manage my money that allows me to actually to not stress about money if that makes sense?.  <response>: I used to be like you. I was deathly afraid of money because of the way I was raised and some negative experiences I had early in adulthood.First thing I did to improve my life was automating EVERYTHING that matters. Most banks will let you cut and mail a check to your landlord automatically, and most utilities can be auto-paid. Once I started doing this, I no longer worried if I was missing a bill or whatever. You can also auto-deduct money for a 401k, IRA, and other types of savingsinvestment accounts so you dont have to think about it.Second thing, use Mint or some alternative like Personal Capital to get visibility into your spending. Make it SUPER TRANSPARENT where your money is going. Its 2017, you can know exactly what your money is doing at any moment by glancing at your smart phone. You can see bills being paid and check balances. The more transparent you are with your money, the less room you leave for uncertainty and doubt to creep up on you.Also and this was a big one for me you have to forgive yourself for being bad at this. Managing your money is a skill and like any other skill you have to practice it. Nobody is perfect and you will make mistakes, but you have to commit to learning from those mistakes. 