You need a budget!
I have used Quicken to keep track of my spending and accounts for years now. It has worked out fine for me, although I have never been a big fan of its budget component. Its one big plus is that since it ties directly into your Quicken file, it keeps track of your spending versus your budget amounts. Even with that, its was not easy for me to use and let it fall by the wayside.
I came across You Need A Budget probably from No Credit Needed. It is a Excel based budget system that is really easy to use. Even better is the four rules of budgeting that could totally change how you handle your personal finances that is discussed on the site. There is also a Windows verision that is a bit more deluxe although my knowledge of it is limited to seeing some screenshots and a few blurbs here and there that I have read.
This is not an attempt to get affiliate sales, I’m too lazy right now to go signup for the program. =) I am just someone who brought the program and liked it and think others might find it useful, particularly if they are not hardcore budget detailed types.