Imagine if you had a normal job, making say 300 pounds a week, regardless of what bill came in, if you didn't have the money it didn't get paid, so as silly as it seems you need to pay yourself a weekly salary, and forget the rest. You can do this by actually starting a company and hiring yourself for a fixed salary. Also, when you work with cash there is a tendency to overspend on little things. You will take a taxi easier that the bus, you will go out to dinner rather than cook, the cost of your make-up increases. You talk more in your phone, etc. You stop looking for the bargain items on sale. It does ad up. Try keeping an expense account, for a week, you will be surprised at how much you are spending on silly things.
Oh and CCcards are the worst! It is like invisible money. I had the bank lower my limits! I also Pay them off at the end of the month. It keeps you from treating them like play money.
Also, as a girl we do worry about money more, especially in our Free lance work. A quiet week can put a dent in your savings big time. So, try to keep an emergency fund, and a DONT NOT TOUCH FUND!
I hope this helps. Kisses V