In order to change your spending habits, and get a handle on your finances, you need to know where all your money is going.
If you haven't already heard, Mint is a free online money management software that is easy to use, and can be set up in only 5 minutes. It will chart and graph your spending habits. It will also show the current balances of all your accounts on one screen. It automatically uploads the transactions from all your accounts, so you don't have to do anything.
It is a great tool to get your finances in order, I've been using it for over a year now. Mint does ask for some sensitive financial information during the setup, but is very secure and has received many awards from reputable companies.
It graphs exactly what percentage of your income is going to predefined categories like groceries, rent, utilities, gas, and entertainment. With this information you can see exactly where you need to cut back.
You can also watch your investments, and set up mobile alerts if your account has a low balance.
I highly recommend mint, it is an powerful program, that is amazingly simple.