Ten Commandments - Debt Free Life Style
5. Envelopes of cash - Cash funds must be kept in envelopes distributed as follows: Monthly: rent, food, utility, gasoline, school allowance, recreational and entertainment, etc. Yearly: tuition, textbooks, and school supplies, insurance, Christmas, holidays. Contingencies: medical, emergencies. Also try to refrain from juggling funds.
Also, another way to help you put away some cash, is so many people are banking online, paying online, spending online. Then why not save online, that's right do a direct deposit of first paying yourself and leaving say $20 a month goes to first paying yourself for saving towards something maybe for a raining day, vacation, extra spending money for a later date, or even more to your retirement fund!