People Are should do is calculate how much

The next thing you should do is calculate how much you spend on things. Write down a list, including all of the money you and your family spend. Do not forget anything, even things that are not paid monthly. Do not forget expenses that relate to your car, including tune-ups, gas, and tire maintenance. Grocery bills and money you use when dining out need to be included. Your list must be complete and accurate.

By putting a budget together, you will be able to easily see how the money you bring in gets spent. Ask yourself if all of these expenses are necessary. What about packing your own lunch instead of spending the money to buy one? Could you prepare your meals at home rather than eating out? Do you go out for breakfast before going to work? Take a look at your daily expenses and cut out anything that's unnecessary.