And then the overall best advice I can offer is keeping a record of everything you spend. Make lists! The main list is your monthly bills, then make a second list of daily expenses. At the end of each week review this second list and see what you could have lived without to discover just how much you could have saved if you were only willing to make your own lunch, coffee, or quit a bad habit. Then add up the total at the end of the month and decide how you may want to approach the next months. Also, at the end of that first month, multiple it by 12 in order to get a rough idea of how much you could have saved or used that year to finally go on your dream vacation!