It might sound simple but just figure out how much you want to take out of each paycheck. Then when you get paid put that bit into your savings. The problem is that unexpected things come up and you realize that this paycheck you have to handle something else, and that’s fine, however you have to replace it with your next paycheck or put as much extra with the next amount until you even out again within the next month. On your down time just start calculating all the end-of-the-month bills and start acting as if the money isn’t even there even before you get payed. Pretend your paycheck is the amount minus what you owe minus what you need to save and keep thinking that way. Anything outside of that is expendable income. Remember, the chunk you take out to save is like a bill you have to pay, not something you “should do.” It’s something you have to do!