Here is a good blog post on How to Make Ends Meet. Please read the comments too. At the time that I linked to this there were a few that really added to the article itself.
By the way, this is something that all of us need to think about and there are things that all can put into practice, even those who don’t have such a limited budget at the moment. If you don’t see the need for that you must not know what is going on in the world or are willfully ignorant of it. As it says in Proverbs 23:5, Wilt thou set thine eyes upon that which is not? for riches certainly make themselves wings; they fly away as an eagle toward heaven.
1Timothy 6:6 But godliness with contentment is great gain. 7 For we brought nothing into this world, and it is certain we can carry nothing out. 8 And having food and raiment let us be therewith content.