Most of the time working professionals will get their savings from the left over money of their income; it should be the other way around. Set a monthly amount that will be used as savings every month, this money will be your monthly target amount. As you receive your monthly income, mentally subtract your savings from it and set your mind to understand that you cannot use that subtracted amount for anything else but savings. By doing so you are left with a lower monthly budget that does not compromise your amount saved. I used to just save whatever was left of my account after splurging on grocery items and shopping, and I found it hard to have a regular and maintained monthly savings budget. By subtracting my savings first before even spending, I was one step farther from impulse shopping