best way to save money?

Pay yourself first! Make that first payment into your savings account, then payoff the rest of your obligations.

Step one. No more credit card spending. The penalties and interest on those things is usery. Spend less than you earn. Don't buy anything you can possibly do without until you pay off the credit cards. Perhaps you can set up with your bank to make payments on the credit cards to first of all prevent penalties and secondly pay off the largest interest amounts first. Have an automatic withdrawl from your paycheck go to the bank(the largest you can manage and still eat and pay your rent and buy fuel to get to work. Have a savings account at that bank so that when the credit cards are paid off, the money goes into the account. From then on only buy things with cash that you have saved up or if you don't have enough, DON'T BUY IT!!!!!!!!!!!

Getting rid of the credit cards is usually the best way... incidentally, credit cards usually have higher interest rates than anything else, so if you owe heaps on them, then a possible option is a personal loan to pay off the credit card bills as it will likely have a lower interest rate.

What you can do:

1. Do not get tied down

2. Find a job that pays well

3. Walk or cycle to work.

4. Use things from nature. (eg. soil for washing dishes

6. Take your meals occasionally

7. Do not use air-con (sleep naked)

8. Save 75% of your payroll

etc........

Throw out the cards and only use cash, draw up a budget, get back to basics, see if moving to a cheaper residence is feasable.

Edited to add: Refocus your spending habits and have fun doing it. You can have a great time creating new habits.

Be sure that you are always paying yourself along with the bills. Have your bank automatically withdraw a set amount with each deposit. Then, DO NOT TOUCH IT. You may want to consider transferring that money immediately into an account such as Fidelity or such. Then watch your money grow. PAY YOURSELF FIRST!

sit down every payday and work out all your outgoings and how much you have left. Put money into separate envelopes/bank accounts and be really strict with yourself

Step one: Don't buy things you can't afford

Step two: Spend less than you earn

Step three: Keep doing steps one and two