It is impossible to deal with money problems unless you start by learning where your money goes. How can you cut expenses if you don’t know what you spend?
For the next month, write down every dollar you spend.
Then, at the end of the month, look at your list. Did you get value for every dollar spent? Were you surprised that you spend $300 per month at the coffee shop?
Knowing where your money goes is the first step in solving your money problems.