month to month balance help

You can manage it in various ways - paying off the necessary bills on time, creating an emergency fund, creating a budget, spending money on necessary expenses and not on luxury items, keeping your credit utilization ratio within 30%, shopping more in cash and less in plastic cards, checking your savings account once a while, etc. There is not a single way of doing it.

I feel creating a budget on a monthly basis is the best way to manage your balance at the end of every month. You can take a look at the personal budgeting software available in this community at:
http://www.debtconsolidationcare.com/personal-budgeting/

I do understand that it's not always easy to keep money for your necessities only. Planning a budget is certainly a credible option. Prior allocation of money to your monthly expenditure would leave you with what you can have for other things.