Today you are going to have the urge to be a lot more thrifty and conservative with money than you usually are, and it's the start of a very good trend. Even if your current financial situation is not causing you much concern, it would not do you any harm to tighten your purse strings a little bit. Start bringing your lunch every day instead of shelling out too much dough for an unsatisfying sandwich. Skip the fancy espresso drinks more often. It will make a big difference.