I'm totally and utterly hopeless at this.

I feel like I'm spending too much money at the moment (of course xmas isn't helping).

So, how do you budget for stuff. Break it down for me.
Anyone know any good websites that have tools?

I know I'm being a bit vague with what I'm asking but I really have no idea about this stuff. I'm rubbish and don't want DH to be the one worrying about it all the time.

Cheers
Sue x