Review your budget. Spend some time figuring out how you spend your money and where you spend your money. What happens to the discretionary money in your budget? The money left over after you have paid your necessities like the rent, electric and health insurance. Why is your credit card bill so high? Review it. That alone is an eye opener!
Most people equate saving with some sort of deprivation. If I give up eating out and having fun I can save money. If you deprive yourself of all of the fun stuff in life you will never stick to a savings plan.
So if you pack your lunch for work and your co-workers eat out every day you are feeling deprived and may even be missing out on some important office conversation "
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