First things first, I would log all spending for a month... Every last penny. This will help you to see where money is going. Even if you don't think you sojourns extra, little things that you don't notice might be adding up.
I did this and was shocked. I thought I want spending extra, I never went to Starbucks or to eat out, but when I did this, I realized that a lot of money ($2 here, $4 there) spent at Walmart was really adding up.

Reply