Start subtracting the unnecessary expenses until you reach below your income. Food, basic clothing, basic transportation and shelter are the only necessities! Many expenses can be cut very easily. Review your fixed expenses and see if you are paying too much for car insurance, phone, Internet or other bills. Next, review your variable expenses. Some will be very obvious like movies, fast food or other frills. Others may take more discipline. If you are receiving a big tax refund at the end of the year, you are giving the government free money. Adjust your withholding so you only get a little bit back at the end of the year. This will help add to the income column.