Try to make the saving automatic. It is a lot easier to save if the money is automatically transferred out of your checking account so that it isn't there for you to spend. For the first few months you'll find it painful, but you'll quickly adjust to the lower amount of discretionary money. Then, whenever you have the opportunity, increase the amount you are saving. This can be lump sums (e.g., half of your federal income tax refund) or periodic amounts (e.g., you no longer need to spend money on diapers or daycare).