You spend money on things that don’t matter.
There is a difference between a “need” and a “want.” I’m sure we all learned that in kindergarten. However, in today’s society, we have blurred the lines quite a bit. It’s no longer surprising to people on food stamps buying steak and lobster. There are huge number of people who have convertibles or Escalades, but can’t pay their mortgage. If you stop to think about it, there is very little that we actually need. Food, water, shelter and love are some of those things. All the rest are just bonuses. So look at what you’re spending your money on and see if you can make adjustments.