Match your spending to when you receive your income. Decide ahead of time what you’ll use each pay check for. Ask yourself: Have I allocated money for my necessities (housing, food, utilities, transportation, etc.)? Have I put money aside for my debt payments, unexpected expenses, savings and the fun stuff?
This will protect you from going into debt further because you won’t rely on credit to pay for your living expenses.
Look for small ways to cut costs in all areas of your spending – eating out, utility bills and personal spending are all areas that you need to keep a close watch over.