1.)Your play money should be less than the money you put into savings.
Let's say a person has $800 to spend on whatever. Food and all bills are paid for.
200 could be play money
600 savings money.
This will allow you to be able to handle tough times when they come up.
2.) Buy your clothes out of season and by clothes when back to school hits or during holidays. If you are the type that spends money on clothes every few weeks or months this is what u need to do. In reality you really only probably need to shop for clothes once a yr.
3. ) When u use cash save your change they give you back.
4. ) only make big purchases when you have extra cash (tax time)
5.) Get rid of unnecessary bills like cable.
6.) if u get a lot back from taxes use a big portion to jump start your savings.