Keep track of all your expenses for one month Write down what you buy, when you buy it, and how much you're spending. You'll be able to see by looking at your chart how much you're using, and plan to purchase enough to sustain you on one trip to the market per week. Don't act out of obligation. It takes up your time and causes resentment. Now that you've said no to all of those obligations that were of no benefit to you, say yes to that little voice inside that wants a massage, a night on the town, a lazy evening by the fire, a weekend retreat.
Most banks have bill payment programs.
All you have to do is make sure that there's enough money in your account to pay the bills. You can attach a bill payment column to your expense graph to track when the bills come in, when they're due and for how much to make this an easier transition. Filing cabinets are generally not used to their full potential. By filing as much as possible, you not only eliminate clutter, you also become very organized as a bonus. Along these same lines, all of the bank, tax and business documentation that you have to save, file it elsewhere.