A suggestion is to do a list of all your expenses and write down what you are spending on a weekly/monthly basis compared to what you are bringing in. Once you do this, you will be able to see the areas that you are spending money on and where you could save - do a budget. Maybe get some of your pay each week put straight into a different account that you don't touch.

Also with interest rates being low, ensure that you have the best home loan and whether it would pay to consolidate debts, if relevant