Ofcourse the obvious is 2 things, reduce spending and/or increase income. Motivation may come to you when you think about giving up some expense that you don't need but really like. So try a budget managing program like Microsoft Money. It makes easy seeing what there is to spare up to a year as it shows balance chart with all usual incomes and expenses setup. So you look ahead for drops in that line and see what you actually have to spare now, unless you make adjustments to those expenses or get more extra going in, even if just once or twice. Shows where some bills can be moved to later income.