An outside opinion can help. If it's your intimate relationship that is suffering from your money woes, you are not alone. Even perfectly matched and compatible couples can be driven mad by their partners' spending habits. Talk to your doctor about a marriage counselor who can guide you and your partner through this challenge. Another way to find out where your money goes is to collect all your receipts and credit card bills from the past few months. In this way you will keep track of your spending and think twice next time on purchasing on an impulse. To those who think you know where your money goes without detailed records, keeping track of every cent you spend for one month will tell you otherwise. Home budgeting does not mean depriving yourself of the things that you enjoy, but cutting back a little will greatly help. Using coupons in grocery stores and buying items on sale will help cut a good portion of your grocery and shopping budget. The savings you get from doing these and other wise spending habits can add up to a fall-back plan should anything bad happens in the future. Every pay check, take 5 to 10% of your household income into your savings account and do not touch it. This way your savings account will be well enough to support you in handling financial emergencies. You can also deposit extra income that you get into a savings account or use it to pay off debt rather than go on a shopping spree. CUT THE CREDIT CARDS It is best if you don't use credit cards, or even own one. If you think you're responsible enough to use it in emergency situation, then leave one for those times. Buying a Gucci dress for a hot date isn't an emergency situation. Paying for school tuition fee or electric bills is a right example of emergency situation. Instead of living a sedentary lifestyle, you work for your stomach and try not to spend much on leisure. It makes you love yourself more. You learn to prioritize yourself and your needs. If personal budgeting is handled the right way, then you may not become a selfish person. But if it is handled the wrong way, then there is a big possibility that you would think only of yourself and no one more.