Get serious and motivated.
Read and understand your bills and get mad..It will happen.
Write down every penny you spend for a month and add it up at the end of the month.
This will REALLY wake you up.
I started with a Snickers and Dr. Pepper snack in the afternoon that cost $2.35 a day.....What?!??! 2 bucks a day aint much!
The simple rationalization of "only 2 bucks" rather than $2.35 cost me $10 a month.
I discovered that I could have the same snack for 65 cents a day if I changed
from the vending machine to bulk buying at the grocery store.
Saved 50 bucks a month...Whoo Hooo! Thats a good date night honey!
No, that is paying off that credit card in 40 months rather than 45 years.
(Yes, these are real figures... other savings allowed me to pay it off in 6 months)
If you save money in one area just to spend it stupid in other areas your never going to progress.
Bruce