From Lending Club Blog
If you’re really struggling with your budget, consider making most of your spending cash-based. That way, you can literally divide your money into physical piles, so you can actually see how much you have to spend on different things. When the pile is gone, you’ll have the physical reminder that you can’t spend any more there until the next month.
Some utilities and other expenses might require you to pay by check or credit card. If you have one of these, you can still make your spending cash-based. Simply take the pile of money and deposit in the bank before you write your check or use your card.