Take a look at what you are spending money on. Pinpoint your top three spending habits. Those are the areas in which you need to cut.

1. Entertainment (Restaurants/Movies/Drinks)

2. Clothing (Specifically Brand Names)

3. Coffee/Lattes

4. Pack a lunch! Eating take-out five days a week at lunch can add up quickly. $10-$20 a day works out to $50-$100 a week, which adds up to $200-$400 a month!

5. Cabs

6. Transportation (Try public transit or carpooling)

7. Beauty products/Makeup

8. Gym membership (if you don’t use it)

9. Groceries (Avoid high end grocery stores)

10. Rent (consider a cheaper place or getting a roommate)