You would be wise to reevaluate your lifestyle right now. Are you living above your means? It might be time for some different thinking in terms of how you spend your money. This doesn't mean you can never go out to dinner or buy a silly trinket again. It just means that if you haven't put yourself on a budget yet, you're taking a big risk. A little bit of saving now will leave you much better off down the line. Pretend you're saving up for something special.