Create a spreadsheet and include the following:

1. Your monthly net income (what goes into your account each month)

2. Subtract your fixed expenses from #1 above (mortgage, bills, other things you can't change like loans)

3. All of your monthly expenses categorized. Go back 6 months on your credit card bills and account statements. Download the data, put it into a spreadsheet and categorize every single expense. (Grocery, dining out, travel, sports, etc, etc)

4. Add up all the variable expenses in #3

5. Add your fixed and variable expenses together and subtract from your monthly net-income.

6. You will now see if you've saved any money historically. Now look at each category and figure out where you can trim to break even, then where you can trim even more to start saving each month. If you want to save, you need to spend less, if you don't want to spend less, you need to increase your net take home.