If you're low on cash, it can be difficult to find anything extra for savings. One way to create more money is to spend as little as possible, but changing long-term spending habits is very hard. (We're still working on it in our home.)
Setting small, manageable goals can help. We heard a great tip the other day that we're planning on trying. Designate one week in which you buy nothing except for absolute essentials like medication, food, and transportation...
It's a tough proposition, but it will only last for a week. Depending on how much you spend on entertainment and extras, you might end up saving a significant amount. If you find that the buy-nothing week isn't as hard as you thought, extend it to a month and keep funneling those savings into your account.
For tips on going without and saving at home, see these posts:
• How To: Read Design Blogs and Resist the Urge to Buy
• How To: Go "Shopping" In Your Own Home
• Green Grannies: Tips for Saving Money and Living Better
• 5 Home Habits That Save Money
• AT On: Making Do