(1) Stop and feel grateful for all the things you now have. Be thankful for what you have instead of lusting after things that you don't have.
(2) Make a list of things you know are stupid and frivolous and you can do without and cut them out first. (i.e.,paying for 4 premium movie channels; buying "name brand" tin foil)
(3) You don't need to deprive yourself of anything. Make a list of things you feel make your life comfortable and find a way to make them less costly (i.e., you buy a soda from the vending machine each day--why not just stash a pack of soda in the office fridge or bring a can in a cooler; borrow movies from the library or friends instead of renting them; dine out during lunchtime or brunch at your favorite restaurant instead of dinnertime.)
(4) Find a way to cutback or save money on your utilities at home. Take time to research them all on the internet.
(5) Start saying "no" to costly kiddie extras--your kids don't need a copy of the annual school yearbook. Teach your kids about finance and thrift by setting the example and saying "no" a lot more. This will pay off BIG TIME now and in the future.
(6) Start tracking where ALL your money goes to during the next several months. This will not only make you aware of your spending, but will also show you that the money really didn't just "disappear" into thin air (unless you're spending big bucks for texting/cell phone services or leaving your windows open in August while running the A/C).
(7) Keep track of the money you've saved and plan how you're going to spend all this new-found money. (HINT: Using most of it to pay down debt is a good start.) If you're saving a portion of it for something special, like a vacation or down payment on a home, it may provide the motivation to save more.
(8) Check out a book about finance (like "Finance for Dummies") and take the time to learn as much as you can about finance--mortgages, insurance, banking, investing, retirement. It is SO, so important. Don't rely on the counsel of any other individual to tell you what is best for YOUR money. You can listen to what they have to say, but research, verify and ask questions. Do your homework and put on your Skeptic Suit whenever you are dealing with anyone about a financial decision--whether buying a TV set, an insurance policy or a Kondo in Bocca.
(9) Always give a bit of your money away to a cause greater than your own--whether it is a set percentage every month to your church or just occasionally throwing your change from your Happy Meal purchase into the Ronald McDonald House donation box.
(10) If you ever feel that dealing with your finances is overwhelming--see item #1.