A quick, concise list won't cut it, factor in EVERY imaginable expense from laundry detergent, to oil changes on your car. A thorough list might include cleaning products, food, tuition, books, office-type supplies, phone bill, rent, entertainment, utilities, laundry, transportation costs, clothes, make-up, internet, hair cuts and of course the list goes on. Make sure you don't neglect anything!;
, Some easy ones are cable television, expensive cell phone packages, nights out at the bar, take out food, clothes etc. Prioritise, ask your self "what are the bare bone essentials?"

, Prioritize your needs- of course food and rent should come before beers and take-out.

Line up all of your expenses.
Think about which things you might be able to cut out entirely.
Try to balance your list against whatever your income is.
Prioritize your needs on a time scale as well, know when you're going to have the most money out of the month, or know when You're going to have to set aside a few extra dollars for that winter coat you really need.
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