For many years I have spent money blindly. It's no surprise then that I have hardly anything saved up. About 6 months ago, I really felt I had to change this (I am currently paying off a loan + credit card). I looked at everything I was spending. One of the most obvious areas to me was how much I was spending in the work's canteen. £5 for a meal, 95 pence for coffee seemed like not much but when I calculated it, I was spending £200 per month (aprox $257). I now spend nothing in there & some of that now goes into a savings account which I have now opened. We all have to think of the future & in my case it's better late than never.