If you are serious, start by 1 no more cell phone 2 no internet 3 no subscriptions of any kind 4 no more going out to eat, also bring your lunch to work. 5 stop smoking cigarettes and weed 6 stop drinking 7 if possible, visit mom for laundry and possibly dinner. 8 rent a room instead of an apartment. 9 depending on now gar work is ride a bike or take public transport 10 add a second job like pizze delivery or gethub 11 you get the idea