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Gee whiz. Common sense rules here.
If you want money left at the end of the month spend less than what you make. It's as simple as that. It is scary that you need advice with that concept if you make what you say you do. Do you really need someone to say that?
And pay a lot more on your credit card than the minumum due. 18% interest is vig in many places and you'll never get out fo debt paying vig and the minumum. That's how credit card companies stay in business - just like the mafia once did.
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If you're wringing your hands you can't roll up your shirt sleeves.
Stangers have the best candy.
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