I think I have made strides with this. I have set up a 401K deduction and I am doing tax-free transit for work. I also bring my lunch three to four times a week, which saves me a little. I need to look at some of my other expenses though and see where I can be more effective. (Stop paying late fees—even if it’s only $5). I’m trying to look at what I’m spending on a monthly basis and cut from there, but it’s still hard.