L.C.
Watch what you spend.
Stop getting coffee out. Make your own.
Eat out once a week instead of twice or 3 times.
Shop on sale - never ever pay full price.
Cut your cable - skip the movie channels.
Cut your cell service - do you really need all those minutes or all that data?
Skip the new car - drive the one you have until it croaks - then buy a used one (this is something we don't do -- we buy new and then drive it into the ground.)
Skip the luxury vacation. Stay home and do free stuff.
If you don't have the cash to pay for it, you can't have it.
LBC