I've struggled with this a lot in the past so I know where you are coming from. I remember not long after we got married scraping up change to go buy chicken nuggets. McDonald's ended up screwing up the order and gave it to us for free and we were so happy.
Over the years we've gotten a handle on things and it is so much better. And it really isn't that hard once you decide to make it a priority and start really looking into how to make it better.