* List priority expenses first like house rent, home loan repayment, water and electricity bills, city rate, groceries and transport to work or school.
* Cut down on entertainment expenses that you can do without, like alcohol, musical concerts or festivals, holiday, sports, cigarettes and yaqona.
* List your personal expenses like school fees, health insurance, housegirl or nanny's wages, personal body care, visit to the dentist or on spectacles.
* Then sit down and see whether your expenses are more than your income and if yes, then make adjustments.