My wife and I swear by budgeting. This means creating a budget every month. We have been doing this together for 6 or 7 years, and it's been amazing. We started off by using Microsoft Money, but Microsoft stopped supporting that software. After trying a couple different tools, we landed on YNAB, and it's been great. YNAB adds the incentive to "age" your money, giving you a number of how old your money is. This creates the desire to live on last months income.
YNAB features an auto import feature for our bank accounts, which makes tracking accounts very easy. The budgeting is user friendly. YNAB also provides all kinds of support. Everything from podcasts, workshops, and newsletter articles. YNAB is $50 a year, and well worth every penny. Do yourself a favor, get YNAB. Why? Because you need a budget!
Jack of All Trades, Master of None