What I usually do is keep track of my spending. I will have a notebook handy and list everything for one month at a time plus I will write checks instead of cash or debit card. Then the end of the month I will look at the list and see if there's anything that I bought that I didn't need..like eating out, clothes I don't need, lotteries, etc., and try to cut that out the next month. Hopefully this is the case with you. Some jobs just don't pay enough.