Second, if you’re trying to reshape your budget to reduce the money that you spend, you have to focus on where you spend the most – housing, transportation and food are usually the heavy hitters. Look at large expenditures and frequently recurring expenditures.

Third, there are lots of things that are fun and don’t cost much money. Once a 13 year old complained to me that there wasn’t anything to do. He lived in a 50 acre personal park on top of a mountain and had every outdoor recreational activity immediately available to him. Nevertheless, he wanted to “do something that cost money,” as if that was always the more fun thing to do. Think of free or nearly free things as your first choice for entertainment and recreation.