Save MORE of what you earn! - Even if money is tight, there are still ways to save.
KNOW where your money is going - This will help you figure out where you can adjust your spending.
SET a budget - This helps people plan their finances and reduce the impact of any surprise bills or expenses.
LOOK for ways to save - For bills with a fixed cost, shop around for reduced rates to help save you money.
SET UP automatic savings - This way, you don't have to think about transferring money over each month.
TRACK your spending - This may be the most important step; what good is a budget if you don't follow it. Track your receipts, review your budget and look over your bank statements online or on paper.