Make a budget. That’s what everyone tells you to do when you’re trying to save a buck here or there, but no one tells you exactly how to make a budget.

Back in the 10th grade we learned all about balancing checkbooks, something I’ll admit I still don’t do, and how to create a budget. Usually, these budgets insist that your spending habits can be divided into a few groups. There’s a category for your monthly bills, one for your debt, and then the last one is always just marked “entertainment.” This vague “entertainment” category was always jammed pack with the majority of my spending habits. From a night out with my friends to Broadway shows to train tickets back home to Jersey, piling all of this into one category just never worked.

Everyone’s pinching extra pennies right now. Whether you’re frugally furnishing your apartment with vintage pieces, stashing for a quick budget staycation or filling up that emergency cash stash, saving a few coins here and there is now a necessity. Following up on our last Daily Ways to Save, here are five more tips to saving some extra coin.

I’m not one to toot my own horn, but I will today because, frankly, I deserve it. Today I became a card-carrying member of the Debt-Free club. This beautiful day follows an intense two years of handing over half of my salary towards debt repay, and I am tickled pink to have finally gotten to the point where I don’t have to throw away my paycheck on crap that I purchased eight years ago.