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It is impossible to not spend money monthly on basic necessities and nearly impossible for most people to not spend on frivolous things. However, if you can tweak your necessities and tailor your budget to include money for your wants, you can find a comfortable balance that doesnt leave you feeling like you are sacrificing the present in order to have a future. A great way to increase savings is through multiple small savings.
Surprisingly enough, many of these small savings can come from the necessary side of the budget. The fallacy that many budget newbies are under is that what you spend on necessities is necessary. When you are at the grocery store, do you make an effort to price watch and compare to the point of saving dollars at checkout? If you dont, you should.
There are now more ways to save moneyon food through sales, coupons and generic brands.
Saving $10 on groceries every trip adds up over time. Look for monthly needs that can be trimmed this way, such as your cable, phone or cellular services. Another resource that is important to you is your control of your payroll.
With direct depositing, you can not only have your check go straight to the bank, thus taking it from your hands, but also have it split between a checking account and savings. As you direct the flow of your funds to these two areas, you should also direct some into your hands. By giving yourself a weekly spending allowance, you control the amount you have for frivolous spending, like lunch at work when you just dont feel like packing a lunch. When you designate your money this way, you feel in control from the beginning.
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Source: (what is personal finance) http://informationjunkie.info/finance/saving-money-through-money-control/