Review your spending, taking an inventory of all your purchases. This provides a better understanding of where the money goes.
Start to look at what all spending can be curbed (it will be a lot) and one can start small, like by not buying the candy at the grocery store while waiting in line, or not ordering pizza.
After curbing junk food purchases, one can work towards clothes, shoes, video games, and the biggest culprit of them all: The Urge to upgrade your smartphone.
Write down the item you feel like buying and place it where you can reflect on the purchase, setting yourself a goal of waiting 30 days.
Stay committed and challenge yourself to buy debt-free whenever you can, after you wait 30 days.