You can use the 50/30/20 rule and use 50% of your income for essentials like rent and food, 30% of your income for extras like entertainment, and 20% of your income for savings and debts. You can use apps that will track your spending, so that you can physically see where your money is going and decide where you can cut back. Break your long-term goals into smaller milestones. Ex. If your goals are to save $1,200 at the end of the year, then you can save $25 a week