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Stop Eating Out! Someone never taught you how to cook, or you are just too lazy to do it on your own. While dining out once in a while is okay, doing it three times a day can put some damage to your savings account. Start packing your lunch and making dinners at home. The amount you spend at the grocery store is only going to be a fraction of what you throw away at restaurants.
Start Checking Your Bills. When your bills come in, you pay them off without even looking at the paperwork. There could be a massive increase in the price that you don't notice or realize why it happened. Companies can be increasing your rates because they know you aren't going to pay attention. Start checking your bills. There could be some ways to save money that you are missing.
Make Coffee At Home. If there were an image of what a coffee addict is in the dictionary, your face would be next to it. You stop in the morning, mid-morning, afternoon, and before you go home for a cup. That's draining on your bank account. Get yourself a coffee pot and a thermos, and you'll start seeing the savings add up.
Be Less Generous. Whenever a friend or family member is running short on cash, they come to you for a 'loan.' The problem is, they never seem to remember to come back to pay on it. You're the one that's always donating money to various causes that you see too. While being generous is nice, you need to start thinking about your future also.
Work More Hours. You seem to be working just enough hours to pay the bills and get by. Well, it works in the short-term, there's no way that you're ever going to save up any money that way. The next time your boss offers you some overtime, jump all over it. Then, when your check comes, stash that extra cash away. Because you aren't used to seeing it, you won't even miss it.
Learn How To Bargain Shop! For some reason, when you walk into a store, you just buy whatever you want without even looking at the price tag. The thought of using a coupon has never crossed your mind. Wait for a sale? Why? Well, because by doing all of these things, you can start saving yourself a boatload of cash. Wait for sales and put the extra money you would have spent away in your savings account.