3 ideas
Variable spending such as groceries, gas, and entertainment is withdrawn in cash once a week and divided into jars labelled by category. When a jar is empty, spending in that category stops until the next week's refill. Because the money is physical and finite, the limit is visible and the gap between what was planned and what is happening shows up right away rather than on next month's statement.
List every debt with its balance and interest rate, and make the minimum payment on all of them. Put every extra dollar toward the debt with the highest interest rate. When it is gone, roll its whole payment into the next one on the list. Following a set sequence removes the month-to-month judgment calls, which is where people drift, and it cuts the total interest paid.
People in debt usually underestimate what they spend, because they track money by feel instead of by record. Writing down every income source and expense, then comparing the plan against actual receipts, shows where the money really goes and which categories are out of control. A spending plan that is not written down and checked against reality gives no control.