Make a budget. Account for your monthly expenses. Start thinking about your long-term goals, and prioritize the ones you’d like to save towards first. Without a proper budget, keeping a rein on your finances can be pretty tough.

Be picky about signing up for things you don’t absolutely need early on. Is membership to that expensive gym or entertainment streaming website a priority right now? Any service that automatically deducts fees at the end of the month is likely to make you overspend.