I'm no help with the big stuff. We just send money to our Edward Jones guy. But, I'm getting much better with the day to day budget stuff. Envelopes and cash are the keys. At the beginning of the week, we put cash into the grocery envelope (etc., etc.), and that is it. It sucks when there is something I want that I don't have the cash for, and I know the money IS in our account. But, it keeps me on budget, which in the long run is less stressful than not getting what I want right now. It's a love-hate thing.