Get a fiscal accountability partner-buddy up.

Get with somebody to be accountable about finances. If you are married this is 100% your spouse but not all of the time. Find someone that you can talk to about the finances that stress you out with your spouse, typically spending from 8-5 Monday-Friday. Find someone who lives in your area and see what they pay for various regular bills and discuss what each of you could do different or how you could work together to reduce a bill.