There's a company where I live that does some of these things regarding your bills and saving money. You go in for an interview and you show them all your expen

There's a company where I live that does some of these things regarding your bills and saving money. You go in for an interview and you show them all your expenses, incomes, etc. They will work out a budget for you, pay your bills, save money for your goals, send you a bit of spending money for groceries, etc. negotiate with your credit card companies, banks and what not if things are really bad. They set up a bank account which your income goes into, but you can't immediately access it to withdraw funds. Instead you have to call/email them and ask for it, which is good for preventing impulse purchases. Fees are a few hundred dollars for setting up, which is worked into your budget so you don't have to pay upfront, then around $25 a week ongoing.