One simple trick that works for me is to do automatic savings. I have a certain amount moved to a savings account that doesn't get touched. The amount I'm currently setting aside means that even though we are making more money this year, it doesn't feel like that much more because we are saving more too. I have ING savings set up, and it's easy to have money moved every month automatically.
The point is that I save first and make sure that I save what I want to save and have to live off the rest.
Yup. That's great. I don't do automatic savings, but I pay off all my bills, leave a certain amount in checking and everything else goes to savings. I also have set up a Christmas/vacation savings account.
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