I would recommend making a list of your income and out goings every month...then see what,if anything , you can cut back on. Do house sitting for holidays...that way you get to go away without having to pay for accommodation. Afterdark's suggestion to work overseas is also a good one but it depends on your circumstances and also whether you stick at it. Many people do very nicely from a good overseas package but there are some who end up broke just the same. Learning to budget is the best suggestion.