Set up automatic bank transfers to chop your income into % parts: 5% play money, 20% savings, bills etc. do what works for you. Get rid of unnecessary subscriptions.

I don’t have enough to chop my money into anything other than 75% rent, 20% car payment, 5% food for my dog.

But I do put that rent and car payment in a savings account and pay from that. Those fractions of a penny per month add up; after 5 years I have 77 cents in my savings account!

20% to a car payment is stupid