0 Spend

make a list of absolutely EVERYTHING that comes out of your bank each month, all direct debits, add up how much you spend on petrol, food, going out etc when you have added it up you will more than likely see that you ar spending more than you are earning – you will have to cut bck on few luxurys for a bit to get yourself back on track, maybe even sell some of your unwanted stuff if you have any to get yourself a bit of extra cash – if in doubt speak to an independant financial advisor
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go to http://www.mint.com

register and give all the details of your expense. At the end of month, you will know, how much you wasted or used???

take decision based on your priorities, your future needs etc…
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Create a budget. Do not carry very much cash, leave your credit cards or debit cards at home, too. Try saving at the beginning of the month or when you get paid. Just start a small savings account at your bank. When you get paid, start by putting aside $100. If you find that, toward the end of the month you are running low, only permit yourself to transfer out $20 or something like that. My point is: save at the beginning and force yourself to make do on a little less (and increase your savings account balance as you go). When you see how much you save in just a couple of months of doing this, you will want to keep it up. Good luck.
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Write down all your "fixed" monthly expenses. Fixed expenses are the expenses you have which are the same, or very close to the same, amount each month. Then record your "variable" expenses. These are the expenses that you have which can change from month to month. Your fixed expenses you really can’t do much with because they are your important expenditures like car payment, rent or mortgage payment, utilities, etc. Your variable expenses may be the ones you can either cut back on or elimiate altogether. Compare your expenses to your monthly income to see if your "outgo" exceeds your "income." If so, you need to budget your finances, cut back on some of the unneccessary stuff, and try to put a little into savings each month. . .even if it is only twenty or twenty-five bucks. Hope it helps.
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http://www.personalbudgeting.com

You need to keep as close an eye on things as possible.

Get internet banking and some kind of finance software like Quicken or Microsoft Money, even a spreadsheet would be OK, there are online spreadsheets you can use that are free.

Check your accounts as often as you can, ideally daily to see where your money is going.

Shop around for better deals on your mortgage, utilities, insurance etc if you have such things, there are websites for this but as I’m not sure what country you are in I can’t advise you as it depends where you are.

For example I saved about £200 a year just by shopping around for my car insurance, you can do the same for other expenses too.

If you have debts try to pay them off if you are paying interest as this is "dead" money. Try to move any credit card balances to interest free deals so you can pay them off more quickly.

You might want to consider something else I do. All my bills come out of my bank (by direct debit) the day I get paid, so I know whatever is left is mine to spend on "luxuries". I just divide that amount by the number of days in the month and try to spend less than my "daily allowance".

Consider making your own lunch to take to work rather than buying something.

Loads more tips but that should get you started, good luck!
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Buy according to need, not want.
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There are several really excellent, simple computer programs that help you make budgets for yourself and allocate your funds properly. If you make the commitment to enter in all your expenditures and deposits, it becomes very easy to see just where your money is going. MiniMoney and the various AceMoney programs are the ones I am familiar with. These two will show you what percent of your income you are spending on gas, clothing, entertainment, etc. After just a few weeks, I came to see just how much I was spending on absolutely ridiculous stuff. Hope this helps! Good luck.
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Here a some ideas, in no particular order:

1) Save first! Take money off the top for savings, treating it like you would another important bill, like rent/mortgage or your electric bill.

2) Try making a budget. Remember that many budgets don’t work out 100% the first month, so don’t give up. Keep tweaking your budget. If doing it on paper doesn’t work for you, try using Excel, Quicken, or an online budgeting tool like Mint.com.

3) Look for personal finance websites that speak to you. One I’ve found recently is called "It’s Your Money" at http://www.mdmproofing.com/iym/

4) Keep a spending journal for a couple of weeks at least, to help you see where your money’s going, and where you can possibly cut back for more savings.

5) Have money automatically taken out of your paycheck or checking account and put in a savings account. It’s easier sometimes if the money doesn’t come to you, but gets put into savings for you. Or you might try getting a savings account at a different bank from your checking account, making it harder to withdraw from it.

6) Throw your change into a jar, and once a month deposit it into a savings account.
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I read "debt-proof living" by Mary Hunt. It changed my life
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Budget, budget, budget………….. and then budget some more. It is simplistic….. but true
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