[ejheverest]

-Limit your time on E90post
-Manage your income by tracking and trending it on spreadsheets or a just a small notebook if your more willing to use it.
-Save for retirement
-Zero balances on all credit cards you have at the end of each month or don't use at all.
-Save 10%> than you think you can save, have this setup Automatically.(autowithdrawn from your bank)

-I'm fortunate to not have any kids right now, save over 50% of my take-home salary and max out my 401k each year. I know this always won't be the case since my career isn't something I want to do in my 40's so I account for that change now.

-Don't have more than one car payment at a time in your family.
-This last one saves me $$$ on gas, I ride my bike or walk whenever possible, I usually don't spend more than 100$ a month on gas, some months its as low as 0$.