Keep track of what you spend! 
I know this sounds pathetically simple, but there's more to it.  I mean keep track of every penny you spend.  If you buy a pack of gum, log it!  You can use a spread sheet, like Excel, and make categories (food, phone, rent, clothing, gifts)...  You can make it as specific as you like -- for example, instead of just "food" how about groceries, fast food and restaurants.  The key is to stick all receipts for the day in your pocket and enter them into the computer each night.

You certainly don't have to do this all the time...  But, I'm telling you, if you do this for just a couple of months, it will change your spending habits (the bad ones).  You will, literally, stand in a store and think, "Dang, if I buy this DVD (that I don't need), I'm going to have to enter it into my stupid spreadsheet!" 

Don't blow your money on stupid stuff! 
Do you start your morning with a $3 latte and a $1.50 muffin?  (Which, btw, have no food value whatsoever.  Hey, a candy bar will give you the same thing and cost a lot less.)  Do you smoke a pack a day?  (Don't GET me started on this one!)  What if you gave it up and saved it? 

That would be $135 a month...  Let's invest it at 10% for 45 years...  You'd have $1,415,137.73!  Yes, that's 1.4 million dollars -- which is a lot better than fat hips or black lungs! 

OK, now that you've read them again...  What are you going to do about it?

Think about what you spend money on every day...  And find what you are wasting money on!  Can you save money by taking a sack lunch to work instead of going out?  Can you save money by making your own coffee at home instead of buying that cup that costs $3-$5 at the place where you have to wait in line?  Or can you give up coffee altogether?  Can you give up those cigarettes?  Is your cell phone bill over $35 a month?  If it is, you can make a cut here...  A cell phone is not for socializing.  It's for emergencies, business calls and letting a friend know when you're going to be late.  Where can you cut?

Now, if you have any credit card debt at all, I want you to take that money and use it to pay off those credit cards as soon as you can!  Pay off the cards that are charging the highest interest rates first.

When that is done (or if you are smart enough to not have any credit card debt), I want you to save that money and invest it!

Figure out how much you can save each month by giving something up and check out my Give-It-Up-to-Get-Rich calculator.  See how fast those few bucks a day can grow!  Try it for 10 years...  for 20 years...  for 45 years...  You'll be amazed!