Are you still paying for a subscription service you've yet to use? Has your coffee budget gotten out of control? Write down all of your expenses and organize your finances. Figure out what you actually need to be budgeting for and eliminate the excess. While you're at it, how's your Roth IRA looking? Is there anything left over to start a travel or emergency fund? When everything's down on paper and you know exactly where your money is going, it relieves a lot of daily stress.