TO FIX YOUR
#1 Look at your last month's spending history
#2 Cut out the wasteful spending
Call your service providers and credit card companies to get a lower rate
Switch your recurring bills to cheaper companies. (i.e. vehicle insurance, phone carriers)
#5 BE MORE FRUGAL
Most of us don't complete a budget each month. Get into the habit of creating a monthly budget - and sticking to it.
#7 SAVE BETTER
Learn how to PAY YOURSELF FIRST so your savings goals are met.