- Analyse where your money comes from. And where it goes.
- Set up a series of virtual 'jam jars'; pots of money for each of your needs: food, utilities, cinema, clothes, college...Only spend what's in the jam jar.
- Re-negotiate everything: from broadband services to drum-kit insurance.
- Use cash rather than card wherever possible.
- Clear debts in order of higher interest being imposed.
- Food shop with a list. Food plan across several days to make best use of left-overs.
- Create a savings account. And put money into it.