When I was working, I was putting money into a Christmas Club through the employer. Also, I took out money each pay ($50-100) and just put it into an envelope for a rainy day or an unexpected expense. Thinking of it as paying ourselves in a way other than a paycheck that went for the usual bills. Now that I have quit work and am on Social Security along with my husband's social security and pension, we are ok for now. Not really saving, but managing without too many frills. We have stopped the gifting process to family and that helps, if we do gift, it is with consumables.