You need to know where you stand with your moneyMonitor every dime you spend for a week/monthly/yearly Analyze spending line by line and see where you can cutSee if you can afford to send more money straight to your saving accountEven just increasing direct deposit from your paycheck to your savings by 1% -- little enough not to really notice but big enough to make an impactSeparate out the variable spending: those things in the household budget you have control over
You don’t have to give up a night out on the town. Lets begin with eating out. Buy discount gift cards from a site like restaurant.com, groupon, and travelzoo. Also check out your local culinary schools in your area and you can get a great meal for less than $20.
