I earn Sh51,000 net but always overspend by Sh20,000. How can I plan better?

Track daily expenses and summarize them weekly and monthly to create an effective financial statement.

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I would like financial advice on how to have a consistent budget plan without having to borrow from a bank overdraft and phone banking. This month, I have consolidated my debts and taken a Sacco loan to pay Sh5,500 monthly for the next few years. I will also be saving Sh4,000 monthly in the sacco.

After that deduction and tax deductions, I get a net pay of Sh51,000. This is the amount I want to manage well. I don't pay rent or school fees, since my hubby does that. I help with the other school expenses, house food, and house girl payment.

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Note: The results are not exact but very close to the actual.