If you have been having money woes lately, they probably have much less to do with saving than they have to do with spending -- you might be focusing on fixing the wrong problem. Take a look at where you money is going -- are you throwing it out the window, or investing in things? Get objective, third party insight, preferably from a professional. Your friends would love to help, but they just don't truly understand what the situation is. Plus, it's not wise to mix business and pleasure.