Cut out. Lots of us pay for things we do not even use. This is another mistake that gets easier to make with so many automated payment plans. Do you keep a gym membership that you do not use? Replace that with a brisk walk, weights, or a stationary bike. You will not have to make monthly payments, and you may find it is more convenient.
Just being aware of how much you are spending versus how much you are saving can have a huge impact on your financial picture. For example, there are numerous restaurants in cities all across the nation that have kids eat free specials. You can find a number of these online and you may also want to get into the habit of checking local restaurants to find out which ones offer specials. For those with children, this can mean the difference between getting to eat out and staying at home so it is definitely worth checking out.