I know it’s very old fashioned, but I prefer balancing my checkbook on paper. I also don’t use automatic withdrawals for any of my regular bills. By writing my checks by hand for regular bills or going on the company’s website each month to pay my bill, I have a better sense of how much money I spend. I feel the money leaving each month, and I know where it is going. I have a better grasp of how I am spending it because I record all of my receipts in my bank book. This way, I have money when I really need it & spend less when I need to save.