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second the "Pay yourself first" rule.
It's important to set aside monies instantly.
You can also think of things in different ways, "Do I want this latte today or :insert object/goal here:?" Every penny and dollar helps. I cannot stress that enough.
good luck.
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I don't care if you are black, white, purple, green, Chinese, Japanese, Korean, hippie, cop, bum, admin, user, English, Irish, French, Catholic, Protestant, Jewish, Buddhist, Muslim, indian, cowboy, tall, short, fat, skinny, emo, punk, mod, rocker, straight, gay, lesbian, jock, nerd, geek, Democrat, Republican, Libertarian, Independent, driver, pedestrian, or bicyclist, either you're an asshole or you're not.
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