Make a budget
A budget allows you to plan your economy and estimate how much time and money you will have need to achieve those extra things you want in the future. Every big company and government works operating a financial budget to succeed. So why not you? It is very easy:
Start by placing your current numbers. What are you spending in? How much and how often? This will help you visualize how you use your money and it will provide you a chance to make a few changes, if you need to do it.
Next, place your money goals and think how are you going to achieve them. Think again if your goals are realistic or not.
Check you budget often and make adjustments as days go by. Take into account you will never follow your budget exactly.
Once you have used you budget to adjust your current economy, start planning how you are going to make a better use of your resources. Make your budget work for you and not vice versa. It would be a pity hearing that you live continuously stressed because of your personal or family budget.
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