If someone were to ask me to give them one piece of advice regarding their money I would tell them one thing (and I wouldn't hesitate at all in telling them): Get on a written budget.
Use Coupons. Do you know that paying $1.50 for a Sunday newspaper can save you at least $20 at the counter? It's true, and this is why coupons will always be staples of Budgeting Tips. All you have to do is clip coupons, and use them! Just be sure to organize your coupons so that you'll know which items you have coupons for, as you go down grocery aisles.
Cars - Do you own more cars than you need? Maybe you have equity in a vehicle you no longer use. Why not downsize? You can save money not just in your monthly payments but also in operating, insurance, and maintenance expenses.
Why, you ask? Well, during a divorce, once you are no longer living with your soon-to-ex, the two of you now have to manage supporting two separate households on the same income that used to support just one.
The debt snowball is one of my favorite methods for eliminating debt. You start by organizing your debt from smallest principal balance to the largest. You then pay off the smallest as fast as possible, while paying the minimum monthly payments on the rest. Once you paid off the smallest balance, you then apply that payment to the next debt on the list. You keep working your way up this ladder until you eliminate all your debt. By the time you pay off the last debt, your monthly payments will be massive and it'll get paid off in now time.
Coupons help cut food budgets. Another less glamorous and possibly time consuming budgeting resource is the handy dandy coupon. Almost every item that is sold in the grocery store carries some sort of coupon for it from time to time. You may find it easier to just buy some of these items at the local Aldi's or Save-a-Lot store instead of spending hours cutting out coupons though. I remember when I found out that more info these smaller and lesser attractive grocers provide a 40% savings to my family food budget overall. It was amazing.
I have put each one of these tips to practice and the results have definitely been worth it. I budget a very small monthly income, but I am able to meet all of my expenses and still put money into my business to keep it afloat. I am also able to support other business, tithe and donate. One thing I will say, giving and not managing the other will not get you the blessing that you have been hoping and praying for. You have to become a better steward of the 90%.