I am such a financial loser..

Sigh. I am having so many problems just sticking to a budget. I’ll acknowledge that our summer has influenced us quite a bit, but I just cannot seem to get a grip on things now that we are back working in stable jobs. I acknowledge that we are playing catchup still, but it’s ridiculous how much money we are bringing home and going through like water.

How do you keep from spending money? Once again i’ve misplaced my ATM card and that seems to help the impulse spending, especially since my bank is 40 minutes away. I “budgeted” (on paper) $400 for groceries, then ended up spending nearly $700….