Here are four things you can do to get more from your money.

1. Create a budget. Making a budget and sticking to it will save you a ton of money over time. There are also free budget spreadsheets and budgeting apps you can download from the Internet. Focus on the necessities – mortgage/rent, food, utilities. Set an amount to save each month, and then gradually increase it. Use any money left over for extras, like fun purchases and entertainment.
2. Review your debts. Credit cards, loans, and anything you pay for in installments can start small but wind up as big problems in the future. Check all of your interest rates. Pay off the debts carrying high interest rates as fast as you can.
3. Trim your bills. There are lots of ways to reduce almost every monthly bill you get. Turn off lights, take shorter showers, only run the dishwasher full. When leaving the house, lower the thermostat in winter to save heat, and raise it in summer to cut air conditioning costs. Have the phone company check your bill to see if you could be on a cheaper plan.
4. Track what you spend. Each month look at your credit card statements to discover areas where you could be spending less. Can you cut down the number of times you eat out? Can you skip going to the movies one night a month and watch at home instead? Record the cash you spend each day in a notebook and check it once a month to see what you could save.

These moves can eventually save you a surprising amount of money – so get started now!