A separate savings envelope on payday

When salary arrives at month's end, everything goes on needs. You mean to save, but nothing is left by month's end. As soon as you get your pay, first put a small portion you can manage into a separate envelope, then plan the rest. A few colleagues can remind each other. Later move the saved money into a bank or society account. You need an envelope, a notebook and a few friends. Even if the amount is small, keeping to the rule is what counts.