You should go over your bank statements and your bills to figure out how much you spend each month. Calculate how much you spend on necessary things such as your rent or your utilities. Add up other expenses that could easily be reduced; for instance, what you spend on food, clothes and entertainment. If you find that you are unable to balance your budget, start looking for things you can eliminate from your lifestyle right away.
Look for ways to reduce what you spend on your utilities. You should be able to save by being more careful about turning off lights and appliances you do not need. Try taking shorter showers and encourage everyone in your household to reduce the amount of water and energy they use. If you find that you are paying too much on your car insurance, consider switching to a more affordable insurance company or getting a more affordable vehicle.