Log onto your credit card statement or a monthly bill for five minutes to find one expense you can cut, reduce or negotiate away. Whether there's a monthly gym membership you've been meaning to drop or another regular monthly expense that looks a little oversized, there's bound to be a way to save money.
Leah Ingram, author of "Suddenly Frugal: How to Live Happier and Healthier for Less," combined her phone bill with her TV provider. "When we did this, we cut our phone bill by $50 a month or $600 a year," Ingram says.
Next step: Remove your credit cards from your wallet and keep them at home in a safe place, says Brandi Savitt, co-founder of the Fabulous & Frugal blog. It's important to pull that credit card out before you go out with friends.
"It's very easy to spend too much or end up putting it on your card and not getting paid back," Savitt says. "Credit cards should be used for emergencies, not for a night out with friends."