Imagine you're in a boat that's quickly taking on water. You're sinking. Yes, you have to bail out the water but unless you want to keep bailing indefinitely, you're going to need to find the source of the leak. Sounds obvious, doesn't it? The same is true with your monthly budget. If you want to eliminate overdraft charges from your bank, late fees on bills and snowballing interest on debt, you have to get organized.
Take the time to write out all your monthly expenditures and all your sources of income. If you have a clear picture of what you're dealing with, your boat will take on less water. Then you can begin the bailing process, having confidence and peace of mind about the stability of your craft.