Get a grip on the necessities.
A problem for many clients is that they have no idea how much they spend on food and the necessities. Before adding to your financial responsibilities (like a mortgage or a vehicle) you should write down what you actually spend on the items you need. You need items like food, clothes, electric, and gas for your vehicle. You also have to anticipate items like car repairs and medical expenses. This makes it more difficult because items are not a certainty. Once you have a handle of this you can begin to see where you stand financially.