2) Make a Budget
Once you have a list of your expenses, it will be much easier to create a budget. Take your total monthly income and deduct your fixed expenses. From there, take what you have left and allocate funds for necessities like gas and food. You can determine this amount by averaging what you spend and leave a little wiggle room for that possible fluctuation. It may take some months to get it down to a science, but keep working at it. This is especially true if you’re not a planner and not in the habit of budgeting. Also, cut yourself some slack if you slip up and spend on something you probably didn’t need. It’s okay to treat yourself occasionally – a reward for your hard work. Just don’t make a habit of it or you’ll blow your plan to save.