If you have a budget already build around your fixed expenses and neccesities, then what you have left is all disposable income. You may spent it or save it as you wish. How much you save depends on what you are saving for. An emergency fund should go in a savings account or a money market. For other savings – such as for gifts, clothes, or a “rainy day” fund – I personally like to use David Ramsey’s envelope system. My mother has been doing it for years, and it always worked for her. Just set aside a little money for each expense in a marked envelope that you keep in your purse or maybe in a bedroom drawer somewhere – it doesn’t matter where. Then you know how much you have to spend on each item. Two things to try: either try to save 10% of each paycheck for an emergency fund, or half of your disposable income. Try doing both, and see how they work out for you for one or two pay periods. Work from there – if you can’t afford it, try putting a little less away; if you think you could afford more, then save more. Most important: I keep track of my budget in Microsoft Excel. You can input all of the right formulas so that all you have to do is enter the dollar amount of what your spending and it’ll work out the math for you. Try making yourself a budget of all of your expenses in a spreadsheet and keep track of it there.