Saving money is a commitment, similar to the one you make when you pay down debt or expenses.  Unfortunately, saving is often a low priority for many people. We tend to put off saving for a rainy day, and we end up putting it off longer than we should. If you are able to make saving a higher priority, at least higher than spending on frivolous items, imagine how much money you would be able to save. Spend the weekend listing your priorities and see where saving lands. Then see what you can do to move it up a couple notches.