For me.
Get a spending app, record EVERYTHING you spend money on for a month – the results will probably be quite eye opening, a trip to Whistlers worth of money on coffees from CostaBucks a year is usually the one.
Once you’ve done that you can usually cut a few hundred a month on random meaningless shit if you want.
After that it’s the bills, check your statements for subscription stuff you don’t use, music, TV, gyms etc – if you don’t use them, cancel them.
Shop around for untilites etc, most people pay too much.
I’d bet if you’ve got a devil may care attitude to spending you can do the above and save a decent amount every month with no meaningful chances in lifestyle, just a bit of graft.
After that stuff gets a bit harder.
Transport – do you own, lease or are you buying your car on HP? Do you really need it, if not, do you really want it for what it’s costing you? If you’re in a PCP or HP deal for a car you don’t really need or want anymore, can you get out of it? Is it worth more than you’d need to pay to get out? If not can you VT and walk away from it?
If you need a car, are you wasting money using it? Are you in that hell queue everyday commuting? You know the one that fills lane 3 when everyone sits on the arse of the car in front accelerating up to 80, braking down to 60 continuoually as it ebbs and flows – I used to do that everyday, nowadays if I’m only going a few junctions or if it’s busy like the above I’m happy to do 56 behind a lorry, it’s much less stressful and in real terms it doesn’t take any longer – maybe 3-5 minutes in a 45 min drive, uses almost half the fuel.
Accommodation – rent or mortgage? Do you have more than you need? Spare room full of junk? Paying twice as much to live closer to somewhere you don’t go (I do that, it’s stupid but Mrs won’t budge) can you move somewhere cheaper?
Finally, if its worse than a simple bit of overspending and you’re in real trouble, speak to someone like money advice line sometimes it’s worse than you can accept and the most drastic measures have to be taken. They’re rarely as bad as you think it’ll be and doesn’t last as long as fear.