How should we control over flow of our money ?

Hello, the situation you explained above is usually due to lack of experience with finances or low salary. Is your salary satisfactory to cover your monthly needs - bills and food? If it is, what you should do is the following - take all of your bills for food, gas, electricity etc. and sum them up for each of the following 3-4 months. Than, calculate the average spending on these expenses and calculate the leftover from your salary (if any). This would be the amount which you could spend on top of your expenses per month. Because you said you have loans, calculate if this sum (the leftover) would cover your monthly installments. If it does or it is about that sum, hold yourself from buying another item until your loan is paid off. Hope this would help.

this may be a bit hard to just solve in one posting. you may need to go see a free financial adviser in your area. the first thing most people say to do in the situation (i am not a financial adviser) is to cut back on your unnecessary spending. when you go grocery shopping, cut out coupons. you could get a bunch of them online for almost anything you want. do you have alot of dollar stores in your area. if so, shop there for most of your health, beauty, and household goods. another thing you could do is go down to the county and register for some aid. sometimes it's nothing you are doing wrong at all. you may just simply not be making the money you need every month. don't worry. a lot of people are in this situation. i wish you prosperity for 2012 and beyond. good luck.