So for this year I resolved to take charge of my finances better. Before, it was just 'come what may' for me, because I know that I have a fixed regular income. I came across a site on how I can control my budget and stick to it. It was fairly simple, how couldn't have I ever thought of that. The idea was to have several envelopes, mark each one with the regular expenses, then put the required amount on each envelope. So that's what I have been doing since last payday. Yesterday was again a payday, I withdrew almost everything in my ATM last night (I saved some for the credit card payments which I pay online) and now each of the envelopes (I got 10 envelopes!) has a certain amount, including 1 envelope intended for the family annual vacation.
I hope I can stick to this routine.