If you're not clipping coupons before going to the grocery store, you're overspending. If you're ordering in or going out to dinner because you don't feel like cooking, you're overspending. If you're not tracking where your money is going, you're very likely overspending.

Eliminating or substantially lowering just one major monthly expense can give you enough cushion to move into a more comfortable place financially.

I give out similar advice all the time: Take a month to write down where your money is going. By the end, you'll have a road map that tells you where you can cut back.

Jean Chatzky Quotes