Debt

Am I the only one in this world with this problem? Ever month I write down what I need to pay and what I am left with, but ever month I am under. The math only seems to work on paper but not I real life. I make more money then I account for but yet I still have problem at the end of the month, how is that. I am really stress about money and just my luck my MasterCard is sending me a final notice for repayment. I am really bad with money. Guess I should call all my card to have the address change (still have not done so). I am the kind of person that needs a statement in order to remember to pay. I am hopping to be debt free by 2011! I know I can do it!