Though I'm not particularly good at saving money (as my husband will quickly point out), I love book keeping. I took a finance class my last semester at BYU and enjoyed all the classes I attended (which amount to about half of the total classes). I also read the ever popular "Financial Peace" by Dave Ramsey, which gives the nutshell explanation of a semester long class. Ramsey recommends doing a cash based system and getting rid of all credit cards--and even debit cards. Going cash based for me though, is like dieting--I'll start tomorrow. I know it's the only way for me to cut back on impulse spending--if all my money is allocated and I buy something on an impulse, the money gets drawn from another source (i.e. the entertainment fund). So again, to pair it to dieting, I like my chocolate--I have a hard time resisting eating it when it's around; similarly, if I have my debit card in my wallet and I find the oh so perfect item, it is far too easy for me to justify buying it (and start the cash based system tomorrow). I don't want to leave my debit card at home though, what if there's an emergency, or I need a tank of gas--with kids, it's much easier to pay at the pump. So basically, starting a cash based system for me is like walking around with a bar of chocolate in my purse and not eating it. Can it be done? Time will tell.
You can buy "Financial Peace" here.