Pay yourself first

When you get a chance, pay yourself first. When the salary or any income comes in, plan on automatic savings to transfer a certain small amount to get transferred from checking account to savings account.

Even I do that. I have set some automatic savings on every month 5th and 10th - for some minimal amount like $100 or so will get transferred from my checking account to my savings account.

If you have any not-often-reachable bank account, you can have an automatic transfer happen every specific interval of time. This will make sure that before you pay your bills and do expenditure, your savings account will get paid and there will a substantial amount of money get accumulated.

After you target an amount in savings account and if you have reached, make use of that amount or invest the money in appropriate places like money market, mutual funds or invest in real estate etc.,