Live Within Your Means and Save

If you regularly spend more than you earn, then you can hardly expect your wealth to grow. Start by creating a budget, comb through your bank reports to see where your money is going each month and figure out areas where you can cut back.   This might involve stopping subscriptions you don't use enough, shopping around for better providers for your household bills, or finding clever ways to spend less on your weekly groceries.  Once you have found ways to reduce your outgoing spending each month, you will put those savings to good use and start investing.