When we were kids, our teachers always taught us to save money from daily canteen money which was given by our parents. For instance you parents gave $5 for lunch in canteen, so you should not spend whole of $5. Today, when we have worked and earn money, we should not disregard our good habit for saving regularly.
Saving doesn’t mean that you must be rich to save money in the bank. You should set aside 10% of your monthly salary to saving accounts. This important before you are tempted to buy attractive goods. It is also good if you open saving account without make ATM card, so you will not be persuaded to take money anytime.
If you have married, it is better to create ‘joint account’ where the money can be withdrawn with at least 2 signatures in the bank. It is good to create transparent finance in your family cash flow.
Since you never know what happen in the future, you should prepare pension plan too. You can take insurance or buy gold for this pension plan. If you still have spare money, you should put in you investment plan, such as purchasing property, stocks and so on.