I have a spreadsheet which has my bank account accurate pretty far back. I update it every other day. I know pretty much how much money I have available to spend, when I need to start cutting back, etc. I know this month will be a bitch because I will spend a lot of money, too. So that means saving in the next couple of months. I got myself out of debt with credit cards and now avoid them whenever I can. If I have to use them, I immediately pay the money back. I don't see the point in paying extra interest on top of what I purchase when I can just purchase it as the standard price and be done with it.

The only debt I have is my mortgage, which is a pain but that's life.