1. Moving into a cheaper place is a very good start. Those monthly expenses (not just rent/mortgage, but higher utilities too) really break the bank.2. Don't own more than one car. In fact, if you are childless and live in an area with public transportation, don't own a car at all.3. Consolidate and pay off all credit card debt ASAP--this is probably your highest interest debt, so it must be your priority.4. Use automatic withdrawals from your paycheck to begin saving (after your debt is paid off). The automatic withdrawals protect your money from yourself.This will all hurt at first. But just like people adjust to their higher salaries (unfortunately!) and can't imagine how they used to live on less, within a few months you will psychologically adjust to living on less and wonder why you acted so foolishly in the past.Good for you for starting to change!
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