Save The Pennies
Record ALL expenditures, no matter how small. A 99 cent cup of coffee every day adds up to $361.35 per year. Tiny leaks sink big ships.
Cut back on luxuries and entertainment expenses. Don't cut out.
Remember there is a difference between frugal and stingy. Be tight on expenses, but generous on people.
It's not how much you make. It's how much you spend.
It doesn't matter if you earn one hundred thousand per year or ten thousand per year. If you don't spend your money wisely, you will always be broke.