Are you aware of where you spend your money? Taking a look at credit card statements and documenting where your money is going can be eye opening. Hopefully your budget has helped you track your expenses and maybe you've identified areas that are really affecting your ability to save. You might realize that you're eating out too much, or that buying coffee every day adds up. The good news is that there are many areas where spending can be reduced and it might be less painful than you think.