Chart your spending for a month to see where every dollar you spend is going. After that month, look at your spending and see what is uneccessary or excessive. Set up your checking account to have all the money for your bills, groceries, social life, etc. and your savings to hold all of the remaining money. This will limit your spending when you see the balance remaining in your checking is getting lower. The key is to be disciplined and not take money out of your savings unless it is an emergency. Set a goal and reward yourself for a job well done.