Budget

Everyone should create a budget.  If you are not sure how or just not good with money, many businesses such as H&R Block, offer free financial consulting to help you put a budget together.  Knowing where you are spending your money is by far the best way to save.  In most cases, people have no idea where their money is really going and once they see it on paper, not only are they surprised but eager to change their spending habits.  You may want to look at http://www.crown.org/ for the help you need to create a budget.