Money money money money

I worry about money.
Ok, who doesn't? I can't remember a time I didn't worry about money. (Y'all are saying, "Yeah, and...?") Granted, my money woes are nowhere near as significant as they were a decade ago. Hell, I'm the poster child for Virginia Slims right now. (Anyone else remember those ads? You've come a long way, baby.) However, I still fret whenever I sit down and look at our funds. It seems like there is forever more money going out than coming in. We've been increasingly digging ourselves a large hole of debt. Respectfully maintaining our scrupulously clean credit record (haha, I know. How did that happen?) by paying our bills and monthly payments, but slowly increasing our debt load at the same time.
Recently, I've really grabbed the bull by the horns. I've grown tired of the battle cry from the hubs, "I have no money." and the bottom line of my CC statement that just keep getting larger, even though I dump money on it every pay. I created a budget.
We're into a month of it now. Granted, it needs some tweaking, but I have a nice 4 day weekend to sit down and look back over the past month at where our money has gone and reallocate the appropriate funds. The payoff so far has been 2 credit card statements that for the first time in ages are lower than last month's. Sadly, the budget also showed us how tightly we must live to stay "within our means" and still start to pay down our debt. But it also kick started me into making some bigger changes to try and control the debt as well, beyond spending less. We're changing banks so we have no banking fees. We've gotten lines of credit with a lower interest rate. We're going to use that to pay off the credit card debt. Mike has started an RRSP. Yes, I know, more money out, but it's necessary. He's 22 years (max) from retiring and has not 1 red cent put aside. Plus, it looks good on the tax return.
We've got a few dollars coming in as well. Tax returns, for example. Unfortunately it contributes to my anxiety as I think about how many different places we could put it. All debt? Use some to finish paying off our bills? (We got a $380 oil bill yesterday. Ouch.) Put some towards our summer vacation? Dump it all on the house for improvements/renos? Pad our "emergency" fund?
It feels good to know we're being proactive in regards to our finances, but my GOD it keeps me awake at night thinking about it.