There are only two ways to improve your financial health.  You can either make more money or you can reduce your spending.  You may or may not be able to increase your income, but you can always control what you spend. 

Start by tracking how much you spend and where you spend it, then reduce that spending.  A nickel here, a dollar there suddenly adds up to hundreds and then thousands.  Saving only $3 a day will save over $1,000 in a year!  Every little bit counts, so start small and work your way to huge savings and improved financial health!