<prompt> Human: A lot of people think personal finance is similar to a part-time accounting job, but here are some small changes you can make that will move you towards financial success:Bills:1. Go through subscriptions and cancel what you dont needhavent used in a while2. Call cableinternetcell phone companies to see about lowering your billSavings:1. Set up very small automatic transfers into a savings account, monthly or bi-weekly. Its easy to slowly increase them over time and you wont miss the money if you start small enough. You can worry about increasing later, building the framework is the important part.2. Work towards saving first, then spending what you have leftRetirement:1. Contribute very small amount toward 401kIRA, and slowly increase over time. Worry about increasing later, just build the framework for now if thats what youre comfortable with.After following these steps, hopefully youve lowered your bills, have a small automatic transfer into savings that you wont miss, and a small automatic transfer into retirement that you wont miss either. Later you can work toward increasing the savings and retirement amount at a pace comfortable for you especially when you get raises at work, etc. Hope this helps someone!  <response>: Save for something fun in addition to saving for retirement, emergencies, etc. I have a vacation fund and every time I want to buy an unnecessary item, I remind myself that I could save it for an airline baggage fee instead.If I end up not going on my summer vacation, well, then Ill have a big chunk of cash to invest or spend elsewhere! 