I think it is very important to come out with a budget plan for the spending and saving of your monthly salary. With this plan, you will be able to control your spending to achieve the desire saving level that you initially wanted.
To work out the monthly budget plan, you must firstly understand your spending. I will suggest that you record your spending on a small notebook. By doing this, you will have a more realistic view of your spending habit. The major problem that most people will have is that the monthly budget plan is too idealistic and it cannot be achieve in the real life. Thus by recording down your daily spending, you will know how much are you actually spending and what are you actually spending on. Review the records and then come out with a realistic monthly budget plan and stick to it as much as possible.
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