One thing my mom taught us was to create a cushion in your account. I could not do this for the longest time because I just didn't have enough money to do it. But now I have it and I'm very thankful I do, or I would probably be overdrawn many times.
Even if you can't do this now, keep it in mind for down the road.
What you do is deduct "x" amount of dollars (I have a $100 cushion) from your check register so you do not see that money on a regular basis when writing checks. It does take time to get used to. I go online regularly (at least once a week) to reconcile my checking account and I now just know that my balance online should be $100 more than what my check register says. This way (like right now, in fact) if I am strapped for money before my next paycheck I have a some wiggle room to tide me over until payday.
Hang in there. This is frustrating right now, but it will work out. I still live paycheck to paycheck. Hopefully some day it will be different for me too.
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