Don’t autopay when possible, keep your credit cards down to one or two and itemize at the end of the month so you can catch things adding up. Things like groceries, budget roughly around the same amount each time, things like eating out, door dash etc that’s where the itemization comes in, do the math or use an app to help add it up. Put money into a savings account whenever you have extra. Do not, I repeat do not look at your bank and go “sweet I have an extra $300 this month, time for a new [whatever]”, put it in the savings