(3) Analyze Your Spending Habits
A useful way to understand the flow of money in your life is to note down how much money you are spending each day. Take a good look at the amount of money you take with you when you go out every day and how much you have when you return home
(4) Live Below Your Means
The best and most effective way to save is to consider your earnings lower than they actually are. Just keep in mind that you should spend your money not on the things you can afford, but on the things that cost lower than that. Instead of investing your money, consider saving first.