Every month
- Automatic transfer of fixed amount (45%) to my saving account
- Loose change - I will empty my purse of any loose change first thing in the morning when I reach office into a container which holds all my coins
- $5 dollar note - Whenever I get a $5 dollar note, I will try to not spend it and then when I reach home, I will place my $5 dollar note into a container that holds my $5 dollar notes (so far I have already saved 350++)
There are months where I can't hit my target because of the holiday expenses etc. I will not beat myself over this because it is expected.