Regarding setting up and following a spending plan or budget, a popular tool is YNAB: http://www.youneedabudget.com/. They have lots of videos and help in different forms for those who want to take control of their money. It is based on a premise much like Dave Ramsey’s envelope system, but there are some differences. The new YNAB version (launched Dec. 30, 2015) is subscription-based: $5/month or $50/year, but it can easily pay for itself if you use it properly.