You must also create a book where you write the savings each month and always set aside a fixed amount of money from your salary first as it ensures that you have money for investments as what many people do is that they think about saving money but first they like to spend their hard earned money but when they are done with spending they realize that they don't have money left for saving so they remain poor and without any savings crushed under debt. So you should always consider setting aside the money for investments first and then should spend the rest of your money.