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Cut back on spending. Pay your bills. If you don't have much income, then get a job, or get a BETTER job.
The most important factor is that you know what money you're receiving, and know what you are spending. The biggest problem for most people is that they are unaware of what they are spending. A few Starbucks lattes a week can really add up over time, and it's easy to not pay attention to these details.
In a single word, "Budget".
At its simplest, you'll need a small notebook and a pen or pencil. EVERY TIME you spend ANY money, write down the date, the amount spent, and what you spent it on. 75 cents for a soda? Write it down. Three bucks for parking? Write it down. $9.50 for a movie, $6 for popcorn and $3 for a drink at the theater? Write them all down. Most people are shocked when they finally realize how quickly the money flows through your fingers.
After a month, examine what you are spending money on, and how much you NEED to be spending money on these things. Then you can start to make a plan, to limit your spending.
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