Apply the Profit First method to your finances

Add up all your monthly bills, annual bills, and the debt you owe.

Put a freeze on all purchases you cannot pay for with cash.

Set up an automatic withdrawal.
A percentage should go to your retirement savings account every time you get paid. You can increase the retirement percentage once you have paid all your debt.

Set up different accounts for different purposes.
For example, a Vault account can be for savings you must have on hand to get through the month. This can be one months’ rent. Recurring payment accounts are for all your regular bills, such as mortgage or utility bills.

Stick to your plan and always allocate money appropriately each month.

When shopping, look for a free option, try to bargain, and negotiate.

Delay significant purchases.
As time passes, you might realize that you don’t need it at the moment.