If you are anything like me, you struggle with the discipline of saving money. The trick is to decide right now how much you want to save, and to do it. Pick any number that you can comfortably pay on a regular basis without impacting you bills. It could be $50.00 a month, or it could be $500.00 a month. Once you have your number, take a few minutes and open a free online savings account. Most online savings accounts like ING Orange Savings, or a Tradeking Roth IRA, can be opened in about the same amount of time it takes to make an online purchase with a credit card.
Now that you have an account, go to your regular banking web site, and set up a re-occurring bill pay to transfer your decided savings amount 1-2 days after each payday. You won't even notice the difference in salary, and since the account is not as easily accessible, you will forget that money is accruing. Before you know it there will be a nice little nest egg of savings. All it take is few minutes and a little will power.