I am 33 this year and just started getting interested in personal finance, investments and savings. Read the Start Late Finish Rich book and its been awesomely inspiring.
I relooked into all my Lattes and cut the following:
1. restructured my life insurance policies to term policies – that saved be $2k plus per annum
2. Cut out the maid cleaning service
3. Ate at home more often
4. Put away in savings any salary increments that came along; i.e dont allow your expenses to expand with your monthly wage.
Thanks very much David!