Is your main goal to save more money immediately? If this is so, an easy way is to simply have automated transfers set up within your bank accounts. By transferring money from your checking to your savings accounts, you can begin to save money quickly. So assess you paychecks and decide on an amount that you would like to deduct from each of your paychecks. This money will be transferred regularly and you probably won't even know it.
This holds true for bills too. Don't be one of those people who is constantly paying late fees. Most companies will automatically draft your checking account or credit ugg boots uk outlet card. It will occur on the same day of each month. You won't have to worry about paying bills ever again.
People who typically use credit cards will spend more money than those who just pay with cash. Have you tried a credit freeze. Put all of your credit cards in a plastic container, fill it up with water, and then place it in the freezer.