What is the easiest way to maintain a personal financial budget?

I have a problem keeping a budget for myself, and get into wasteful spending practices quite often. I earn decent money, and have money saved up, but realize that I could be doing better financially if I was a little more disciplined, and stopped buying things on impulse or wasting money on things I dont really need(ex. daily Starbucks). I have made budgets in the past, but usually don’t stick with them. I was just wondering if anyone had any tips on maintaining a budget, that is easy to adhere to? Thanks.

Can I transfer an existing home equity loan, attached to my current residence to a new residence?

I took a home equity loan out a while ago and in this market, my equity has dropped considerably.

If I were to sell my home, I could pay off my 1st mortgage, but I’d still have a balance of about $30,000-$50,000 on the 2nd mortgage.

Do lenders transfer 2nd mortgages to a new home?