First things first: keep track of what you owe and what you’re spending. Find out where your money is going every month, and you’ll have a better idea on how to start saving
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Next, try to get a better credit card deal. Just by calling your bank’s customer service and asking for a better rate, you can be saving on your monthly payments and on your overall interest rate.

Work on trimming your bills – large and small. Contact your cable/internet/telephone provider, and try to find a better deal than the one you have. Keep track of your small, everyday expenses so you can have a better idea on what you spend the most money on. You may be surprised to find out how much you spend on coffee each month – and how much you can save by changing your habits, even if only slightly.