To add to this, make the saving automatic. If possible, have your check direct deposited between two different bank accounts, a fixed amount going into one, and the remainder to the second. Use the fixed amount account to auto-pay all your living expenses, and other fixed bills, and to auto-transfer a set amount into whatever your investment vehicle of choice is. You will need a bit more going into this checking account than the average of all your bills, to cover variances. Then once a year take the excess, and dump that into an investment.

The second account is then used for daily expenses such as groceries, restaurants, and other entertainment.