The best tip would be to spend a month tracking your spending and saving habits with a budget.
At first, budgeting will serve to mirror your habits, keeping this record will help you later adjust your spending and help you manage your money.
Who should Budget? Everyone should budget; it gives you a great snapshot of where you currently stand financially and where you are heading.
Why Budget? It helps you maintain control of your personal finances; it also helps you realize your short and long term goals.
The key to successful a Budget is being regular, accurate and honest.
Check out some budget calculators on-line at www.zippitydodog.com.