1. _Track your expenses_: Monitor where your money is going to identify areas for reduction. 2. _50/30/20 rule_: Allocate 50% for necessities, 30% for discretionary spending, and 20% for saving and debt repayment. 3. _Automate savings_: Set up automatic transfers to your savings or investment accounts. 4. _Cut subscription services_: Review and cancel unused or unnecessary subscriptions. 5. _Cook at home_: Prepare meals instead of relying on takeout or dining out.