<prompt> Human: I just got paid yesterday and looked at my check and I realized I have almost made 40k this year and I only have 45 dollars in a savings account and 1000 in my checking. Going into next year I want to try to save up some money. My bills monthly are 750 for rent, 290 car, 75 cc bill, 60 electric, 88 car insurance, and 80 phone bill. Does anyone have any good advice about how I can start putting away money?  <response>: Download mint, and find out what else youre spending your money on. Write down all of your monthly expenses, find out just how much you spend a month, and see which ones can be reduced.I recently started this process and started with reducing bills and cancelling unnecessary subscriptions, followed by reducing money spent at the gas station on soda, cutting back fast food, and preparing my lunch for work. That alone is going to save me 150-200 this month. 