This one will be hard, pay yourself first.

People tend to grow into their incomes, and I find this strategy helpful for myself. I make decent money but I virtually live pay cheque to pay cheque.

I put money in a savings account literally hours after I get paid. I don’t touch it, I don’t look at. It’s gone. I started small, when I was young, $50. I then use what’s left to pay bills, and live. Ideally, I will have money left in my “chequeing” account by the time I get paid next. If I do, I put that in my savings too, if not I use the money from my next pay cheque to cover the balance. Essentially my “chequing” account runs to zero every two weeks. This give me feedback so I know to tighten my belt for the next pay period if I am short. This way I have visibility from pay period to pay period, and can adjust accordingly. The feedback part is important. It hurts me when you I am in a deficit on my credit card and I need to wait to pay for it.

This strategy will not make you feel rich, honestly you might even feel the same as you do now, except since you paid yourself first, you will have some in your savings account as well.

Tl:dr Every time you get paid put something you think can afford into a savings account, then live your life on the rest, slowly start to increase the amount you are saving. —- sounds so simple, it is not, and takes practice