Do some comparison shopping for services. Many families have eliminated a land line in favor of cell phones or a cheaper internet phone service. My own cell phone company also sells home internet phone service for บ a month. My old phone service cost me about ์ a month after paying fees and taxes. I even got to keep my old phone number. That was a very painless way to save 軸 a year. I also did some auto insurance rate comparison shopping. I combined my home and car policies with another top company and saved almost 赨 a month! Now my savings total is up to 趚 a month, and I have not given up anything.
You should be able to document your income, expenses, and (hopefully) savings every month. If your income minus expenses is a positive number, you can relax a little. You still may want to work on your budget so you can save more for an emergency or retirement. If that number comes out negative, you could be in big trouble. Spending more money than you make means you must rely on credit. In turn, this means you are setting yourself up for more trouble because those credit card payments will get higher every month.