Begin to alter some of the things that are contributing to this. If you find yourself spending a lot in some area like entertainment/restaurants, try bringing a lunch every other day, at first, and gradually wean yourself off that expense. If you find that you are spending too much money on a car payment, try seeing if you could sell your car for the amount of what you owe on it, and use some savings to purchase a perfectly good used car for cash instead. You will immediately begin to see that you can accumulate the amount that you used to pay for a car loan in your savings account. Do this for each item, keeping in mind that you want to attack the expenses that are causing the most problems.