You can open a bank account that you can put your 20% of salary. Then the 80% for all your expenses.  Ut you need to tell to your self that you're not gonna get anything at your savings account. If your going at the mall or in a groceries. I advice to left your atm on your house. So you cant get anythinv at your savings account. So if you need a money for an emergency you have your own money