Most of the salaried people complain about one thing every month i.e. There isn’t money left in the bank towards the end of the month. On their salary day, everybody makes a promise to themselves that they will save substantial money that month. But that never happens. This is because, they spend before they save. i.e Income-Expenses = Savings. Usually, it is Income-Expenses = 0.
But ideally, it should be inverted i.e Income-Savings = Expenses. Saving money should be a disciplined approach. One best way is to automate their savings decision. Say you want to start saving by investing money in a recurring deposit. You automate by giving a mandate to the bank to deduct some money every month on a particular day. This approach brings required discipline.
This will be difficult at the beginning. But it will give you financial freedom when you desperately need it.