Start by keeping track of where you spend your money.  Be sure to record all spending,  especially for small items that can add up such as fast food meals, vending machine snacks, video rentals, etc.  The worksheet, “So What’s 65 Cents?” lets you calculate how much you are spending on these items.  Review your spending to determine areas where you may be overspending and can reduce costs.  The links below give suggestions on ways to reduce costs in specific areas of your budget.