If you've done and redone your budget and you're still spending more than you make, then it's time for some radical rethinking. Here are the most likely culprits:

• Housing: You'll notice this is the single biggest expense you face, so some cuts here can really make a difference. Consider getting another roommate, renting a room from a family or even moving back with your own dear parents if you can't get this expense in line. Don't worry: it's not forever. Eventually your income will increase and you'll be able to afford better digs.
• Transportation: If you have a car loan, you may have already busted the bank in this category. Even an economy car costs about $500 a month when you include car payments, insurance, fuel and maintenance. If you bought more car than you can afford, consider selling it and buying something less expensive -- or opting for public transportation.
• Food: Basic groceries should cost a single person about $150 a month. You'll spend a lot more if you eat out frequently, however, or if you buy lots of processed foods, frozen dinners and gourmet stuff. Cut your food costs by bringing lunches and snacks from home. Substitute potlucks or picnics for expensive socializing at restaurants. Shop grocery-store sales, and learn to make a few healthy meals at home.
• Utilities: A cell phone, a big long-distance bill or a need to walk around your apartment in shorts in January can all put you over budget in this category. Shop around for cheaper long distance. Conserve energy and wear a sweater in the winter, shorts in the summer. Consider getting rid of the cell phone, or at least switching to a cheaper plan.
• Personal: If you are like most people, you are over budget in this category. The good news is that just about everything in this group represents a want, rather than a need. That means you can easily trim out the fat: Disconnect your cable, or at least switch to basic; ditch the gym; find a cheaper hair cut; carry (and spend) less cash and stop smoking.
• Savings: You might have to temporarily trim this percentage to pay off credit-card debt. But don't cut savings to spend on anything else. And make sure, if you're eligible for a 401(k), that you contribute as much as you can, but at least enough to get the full company match.
• Debt: Stop charging, start living on what you make, and then work hard to eliminate your debt. For help, you can visit our debt elimination section.