You can always have money in the bank...

save - From Ben Franklin's Poor Richards Almanack to The Richest Man in Babylon they can't seem to stress enough the idea of paying yourself first. 10% at least but one can start with whatever; you just need to get the rhytm going. Go ahead, open a HSBC, ING, or Emigrant savings account and start automatically paying yourself first. You must open an account that is seperate from your regular checking account since this will make it harder for you to withdraw your saved money. Consider it as a bill that must be paid to yourself. Pay it before all other bills. Try it and you will be amazed that you will always have money left over at the end of the bank; I know I do.