I think you are disciplining yourself so that wherever you keep the money with your family, friends, financial and non-financial institutions will be on the safer side.
Self discipline? you are definitely right.Avoid on spending things which are not important.Be systematic upon your needs and wants.They are very much different.
Try to not to spend more than what you earn,because basically if you are doing that habit you have no more to save.Savings first before spending.