If you continue to spend more money than you have available, your life will be miserable and be in continuous turmoil. Living from hand to mouth, day by day and pay cheque to pay cheque is stressful. But the best way to avoid spending more money than you have in your account is to tackle the route cause. That route cause is your mindset and your relationship with money. Your problem is at a subconscious level and is the same reason why most lottery winners end up worse than they were before they won big money.