By the time you pay the bills, contribute to your emergency fund, not to mention put in what you can for retirement, there sure is not much leftover, which makes it all more important where every dollar is going.  A good way to start seeing where your hard-earned money is going is to take last month’s debit or credit card statement and actually go line by line.  From there you can put together a budget of what you’re currently spending, and from there, start to trim down to reasonable levels, so there will likely need to be cuts somewhere.  By making some tough choices and sacrifices, after you start to see the savings pile up, you may not even miss those non-essential items any longer. Cable TV This may be the hardest cut to make, especially if you have been used to your entire life having the ease of flipping through the channels to find something to watch.  The truth is, we don’t have the patience to watch commercials so all of the shows we watch are on DVR, let alone whether you pay for cable but your entire TV watching comes from streaming services such at Netflix.  By cutting [...]