If you continue increasing your savings rate by one % every two months, then by the end of the year, you're saving an extra six percent. Tweak number eighto, research your salary. This information is going to come in handy when it's time to negotiate with your boss for a raise. Develop a catch phrase that you will repeat to yourself whenever you're about to spend money. For example, that catch phrase might be, would i rather spend x, or would i rather put this money towards and then insert go here.