One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.
Nick's $5 - 52 Week Challenge; a little more than the $1 Challenge but worth it. Increase the weekly deposit by $5 each week and put it in a high interest savings account! Don't touch it for a few years and you'll be doing well. Imagine starting now and doing this for 30 years (retirement for me...$237,600).