You blowing coin is a problem the government will never be able to fix. Here’s some help with that.

1. 

GET ALL THE DISCIPLINE
This step sucks, but it’s an important part of the process if you ever want to get ahead in life. Maybe you don’t need fast food on the way home when there are perfectly good leftovers waiting? Small adult decisions like that add up to mo’ money, mo’ money, mo’ money.

2. 

CREATIVITY OR DIE
Pull cash out at the register when you purchase something to avoid ATM fees, hunt down rebates and special offers for a come up, actually read newsletters or email blasts — these meager actions all have small benefits which add up yuge over time. Don’t make their profits easy.

3.

BE SLY, LIKE A FOX
Companies bank on apathy. Always keep them honest by calling directly with monetary disputes, point out errors in marketing or make it a game to see how much cash you can squeeze out of whatever they’re offering. You’re smarter than them, prove it.

4.

MICRO-INVEST. DO IT.
It’s not gonna make you bazillions, but many apps have exactly a person like you in mind. Putting away small chunks of change periodically is a fine way to earn extra rainy day skrilla without feeling like you want to cry about it. Start small. Feel big.
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Penny A Day And Whatnot

On day one, put a single penny into a jar. On day two, put two in. Day three, you get it. After 365 days of this, you’ll have $667.95 worth of fun-money to go to brunch with. It’s change you can believe in.