Look back on all the spending you’ve done and try to recognize patterns/spending habits. If you notice every time you get paid, you buy a new outfit, shoes, perfume, etc., work on changing that habit. • Work on not buying any new personal unnecessary items and consider not doing so for a good time span. Start small if necessary (1 month) and eventually try for 3, 6, or 9 months, and finally a year. If you notice you eat out a lot, consider these tips. • Take a lunch from home