How can I get my financial situation under control?

I admit I have a real problem. I have a steady job I make enough money to say that I can get things paid but I am just not good with money. I never had anyone sit down and talk to me about the responsibilities of credit and/or money. I have little by little learned that you pay the light bill or it will get disconnected. I just cannot find a way to save money and I am just bad at it. I can't stand it anymore. Unlike my husband he is able to save all of this money and I just can't. I know I have more responsibilities but there has to be a way. Something always comes up and because I am already behind on other stuff I can't catch up. I have three children from a previous marriage and this is why I hold most of the responsibility. I don't receive a cent from their dad and I have to carry with these expenses too and the majority of the current house expenses as well. I have terrible credit and I don't want it to be this way. Has anyone been on my shoes and what would you suggest to get on track. I am really stressed out. I want to have a savings account but don't know how to save money. I actually contacted a counselor and he said that i can't be helped at an agency because I don't have any credit card debt. That is another thing. I don't even have credit card debt. I haven't even owned a credit card. All I have are medical bills that I just don't know how to manage my money to get those paid. Please help.