The idea of having a "budget" is very scary to a some people. It makes you feel like you are being controlled somehow. It makes you have self control and not splurge $400 on clothes and pay it "later." Where is all this debt going to lead you? We all have to face facts that they money we spend that we don't have will not just take care of itself and you have to start taking care of it now!
Make a list, figure out where your money to going! Here are some things for you to look at when you are making your list.
Auto Expenses - maintenance, gas, car payments
Clothing Expenses - shirts, sweaters, shoes, socks, underwear, anywear!
Dental Expenses - cleanings, dental work, surgery, anything not on your insurance
Dining Expenses - restaurant food, fast food expenses, snacks
Entertainment - concerts, movies, cable TV, anything you do for fun
Gifts - birthdays, weddings, anniversaries, etc
Groceries - anything you buy at the grocery store
Household Items - furniture, cleaning items, etc
Insurance - auto, life, home insurance
Pet Expenses - if you have pets, list what you buy for them every month
Rent or Mortgage - most likely your biggest expense
Taxes - real estate and income taxes paid
Utilities - phone bills, electricity, gas, water bills
Vacation Savings - hotels, airplane tickets, tours, souvenirs
Once you have all these listed, see if there is anything you can do to reduce the amount you are spending every month. Maybe find a cheaper auto insurance company. Maybe you could rent movies instead of going out to the movies every week. Use less electricity and conserve water and save on your utilities. It's all up to you how much you want to save!