Find cheaper everything including your apartment, car, insurance, the works! In desperate situations, move back home, if they will take you! It will amaze you on how much money you can save. An important example is commuting to the job. Unless you work in jogging distance from your home, commuting adds up to a considerable expense for most of us. If you are traveling to an urban area by yourself in a private automobile, you can probably save hundreds of dollars a month. Even if you are commuting by train or bus, if you become part of a carpool, you might be able to save big. Look at all areas of your finances and cut all controllable costs!