Consider cuts Prioritize your monthly expenses and cut where you can. If the problem lays in credit card debt, pay the highest interest cards first. Tell a friend or family member about your goal to help keep you honest - they'll hold you accountable!
Shred the plastic Avoid using sources of credit. Pay with debit or cash whenever possible.
Have cash on hand Take out in cash what you are planning to spend per week. When it's gone - it's gone.
Kick bad habits Have fun, but have a plan – and stick to it as close as possible. Try to change small spending vices by eating in, making your own coffee, and taking the bus over taxis when you can – and watch your savings grow!
Reward yourself When you reach an incremental savings goal, take yourself out for lunch or buy yourself something nice.