help

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I am so bad with finances that it has reached a point where I am almost always broke. I don't work, am a stay a home mom. My husband works thank god he makes good money but it seems that no matter how much money he gives me it goes so fast and sometimes i don't even know how or where it went. I have a problem with saying no to anyone that asks me for a loan or if I see someone that is in need i have a problem turning my back on them even if I only have 10 or 20 dollars left in my pocket i give it to them and always say that they need it more then i do. I can't say no to anything my kids ask for even if I know that they can go with out it. Sometimes i myself wind up borrowing because i gave what ever money I had left to someone that i think needs it more then i do and half of the times my husband doesn't even know that i do this and when i ask for more money he asks me what i did with the rest and i can't tell him because i don't like anyone to know that i helped someone. What would you do in my situation and how would you slow down or stop?