Here’s a tip: Keep it simple. When listing out all of your monthly expenses, include outgoing items such as paying off a credit card or loan and incoming money from your job or other income generators. Once you have created a list of both, take a hard look at what you could potentially remove from the outflow of cash. You can cut down on things like streaming services, subscriptions, and unnecessary shopping to save money. Make one decision at a time, find support from someone you trust to help you look at your financial goals, and lastly, stay flexible and remember that you can always pivot and adjust your financial plans.