Pay your cards when they come in.
You need to save your old money.
Put a little away each day.
Carry no cash. Take snacks and drinks to work. Do not eat out.
Stop smoking and drinking. No stupid movies. Cancel the cable. Put up an antenna.
Food only from from the food store.
I am 68 1/2 years old. It worked for me.
Do the above and in two years you will have every thing and looking to what to buy with the extra money.