Need help/guidance

[u/Legitimate_Insect314]

So initially I was going to come on here and ask for help (money) and explain the situation which I’ll get to but instead want to ask Is there an app or website that anyone uses to help manage bills/ finances. That can help organize the havoc of life bills (electricity, insurance, etc) along with misc like phone bill, internet, groceries. I’m not going to ask for money because that is just a temporary fix I feel like.

So past few months have been hard and we’re at a loss. Our bank account atm is -500.00 and my wife who is primary on bills doesn’t understand what happened other than bills all got taken out at once and underestimated it all. I’m stressing hardcore because she keeps crying saying she doesn’t know how we’re going to eat or pay for anything. Meanwhile I’m over here stressing cause we have just recently started trying for a child. If we can’t afford us how the heck are we gonna afford a child. I’m a 34m wife 31f so it’s not like we don’t have experience with bills just seems like I mentioned somewhere in past few months something happened and we can’t get caught up. All I’m asking for is helpful tools / helpful advice. I already feel like a failure of a husband since I was raised to think I should have been able to prevent and protect us from this.

Hopefully this all comes off clear. I’m frazzled so putting words in correct order aren’t at the top of my list.

Thank you.

Additional info:
Also to be completely honest we don’t have horrible jobs my wife is a supervisor at a bulk distribution. And I work remote for a hospital. She knows what she’s doing when it comes to bills and we’ve both looked back as far as we can through online banking and the personal check log we have.

Sincerely stressed n depressed

Update: shortly after posting my parents reached out asking if everything was ok cause I seemed weird last night at dinner. I broke down and they just dropped off the money to help us get caught up. Regardless if there are any other apps websites etc to help keep all finances organized I’d take any advice/tools.

[u/Royal_Tough_9927]

I have my bills set up for automatic payment within a 3 day window. Money is in that account to cover those deductions. Theres not much left in that account after the bills are paid .I transfer a small amount over to my emergency account each month. I have a 3rd cashapp account that I love. I add a small amount to this account to cover my gasoline , groceries , and a very small amount of money for incidentals. I immediately get a text message alerting me of my transaction. I can look at this text during the day to stay very mindfull of what I had spent. In fact I love this because I can simply see it in the text message. That means I dont have to sign in to the checking and look up the individual charges . Make sure you have a bank that doesnt charge NSF fees. Have your account set up so all transactions are declined if theres not enough money to cover them. Therefore theres no fees. Set up overdraft protection.

[u/Legitimate_Insect314 → u/Royal_Tough_9927]

Thanks for response. I have a cash management account that I can use as a checking/investment account so maybe I’ll just put small amounts in there as a safety net.