When life changes, adjust
Whether it is babies, job changes, or the purchase of a new home, life is constantly changing. Every life-changing event leads to an increase or decrease of available funds. People who save effectively look at this as an opportunity to adjust the way they save. This may mean a temporary hold on saving, but always make sure you plan for a time when you can begin again.
Play for keeps
People who are great at saving don’t look at their paychecks as something to spend. They look at their paychecks as something to keep. Center your financial decisions around the question: How do I spend less, save more, and still obtain the things I need?
Set aside part of any extra earnings
While your yearly income is (hopefully) predictable, we sometimes receive money we did not expect or budget for. This can be a tax return, stimulus money, bonus, birthday money, credit card rewards, etc. A great saver will put at least a percentage of each windfall they recieve into their savings account.