1. Sit down with your expenses and separate wants and needs.
2. Circle all expenses that are wants.
3. If you have debt or no savings, eliminate the wants.

Do you know how much is coming in—and going out—of your bank account every month? Use Suze Orman's Expense Sheet to get a real look at your budget.

Use Suze's workbook exercises to help you decide what you need and what you want.