My first tip

Create a budget. Calculate how much money you earn monthly and yearly. Then calculate the expenses you have monthly and yearly. Calculate your expenses so that every pay check you can put some money away into savings. This money will be for something special you may want to buy or if you ever need a little extra money for groceries or whatever you would like to use it for. Your expenses can be anything from rent to dental biils, credit card bills, car payments, or groceries or shopping for clothes. Every paycheck put money into investments, and also in to Retirement funds and education funds, if you have them. Once you have made yourself a budget, follow it! Do not go on big shopping sprees.