Get clear on your incomings and outgoings. You can do this with a physical calendar, where you can write down what's coming out and when. That way, you can keep on top of your finances and understand what takes up the most of your monthly pay. "I have two bank accounts — one for bills/outgoings and one for spending only," Bentley-Moore says. "That way, when you get paid you can put the spending money straight into a different bank account."