It seems like we are always living paycheck to paycheck and that can make it difficult to save money. A lot of times at the end of a pay period I would look at my checking balance - somewhere around $50 and think just a few more days until my deposit. Its easy to get into the habit of spending what you have available. At some point I started transfering my total balance of my checking before my deposit to my savings the day I got paid so I started my pay period living only on my paycheck without any carryover. Sometimes it would be only $24, or $17 and occasionally I would transfer $75. It didn't take long for my savings to start growing and when an unexpected expense came up I didn't have to worry about how i would cover bills. It has been a great incentive to control my expenses and ensure that I don't live beyond what I make while also allowing me to save.