Well it is very basic at the same time very hard to do, DISCIPLINE. I understand how basic it is but really, it is the hardest thing to do because you have to focus and control yourself, at the end of the day it is just going to be your decision, so it is very important that you discipline yourself, it is not going to be an overnight change especially if it is not the lifestyle that you had ever since, so it will be a bit hard but hey, it is doable, it is possible and you can do it. First start by reassessing your lifestyle, your things, your spending habit, it should be back to basic, live within your means. Then find a partner or buddy whom you trust and will be honest and strict with you at the same time. Then just follow the live within your means mantra, you will only spend when you need to.