Take a good look at where your money is really going.  Figure out where you can cut back, e.g., reduce trips to fast food restaurants, take sandwiches to work to save money, avoid convenience stores and vending machines, drink water instead of expensive soda, and buy bread in bulk at the discount bread stores.  Hold a garage sale and sell items you do not need or use, and put profits in an emergency fund.  Buy all goods with paper money and save all your change in a change jar, and then take that to the bank and deposit it in your designated emergency account.