Get started by making a list of your monthly expenses. Stuff like your rent, car, etc. Then make a list of your monthly income. Add up your pay stubs or however you get paid. Make a list of all, or as much, of your expenses. This will be difficult because you may have some hidden expenses that you don't realize exist. Just make a basic list though of whatever you can come up with. Now, match all your revenues for one month against all your expenses. By matching these, you will be able to see if your monthly expenses exceed your monthly income. Next you want to establish estimates for monthly expenses. If you see that one of your expenses takes more money than all the rest, try breaking it down or simply cut it out if it's not neccesary. Keep track of all your actual expenses. Soda, lunch, movies, etc. Just keep doing this each month and you'll realize how much money each thing takes and you'll eventually learn and break down each expense so that you'll soon be able to live "comfortable" and not just "get by". No one wants that.