It doesn’t come easy to live below your means, but it is something that we should all be doing. Luckily, living below your means is a choice and something you can learn to do. There is no cookie cutter solution for everyone, but there are standard answers that can apply to anyone’s situation. These standard answers allow room for molding to individual financial situations.
“Whatever your income, always live below your means.” -Thomas J. Stanley
Your #1 goal this year should be to contribute to your *Roth IRA. Or *401k or *Traditional IRA, if that’s what you have set up at the moment. Ultimately, you should set a goal of contributing a part of your salary to your individual retirement account.