Move some money into a savings account as soon as your pay check appears. If it's accessible until the end of the month you'll just spend it!
Prioritize your outgoings for the month, then identify where you can cut down until you have your finances under control.
Steer clear of Walmart, Safeway and the like if you only need a pint of milk or you'll end up with a trolley full of stuff, guaranteed!
Have the equivalent of three months' worth of wages in a savings account that you can access easily in an emergency.
Always pay off everything on your credit card. Never pay the minimum...do not pay for money!
Live off a set cash amount for all your purchases this week. If you can't swipe your card for a Starbucks or new clothes, you'll soon think twice.
Share the responsibility. Make sure you're not the only member of your household concerned about your budget.
When using credit cards, use one as your main card and the other(s) as back up.
For one week, write down everything that you spend and analyse where your money goes. Do you really need to spend that much on food?!
Cut bad habits like smoking and drinking.