4. Saving is a requirement
When was the last time you gave priority to saving after you received your monthly income? Saving is part and parcel of the lifestyle of frugal people. I understand how difficult this can be for most people especially for the family men and women.
However, this can be taken care of when you change your priorities on how your money is spent. It is highly recommended that before you touched your come, you would have deciphered which percentage goes into savings.
That way, you will be more careful on what you spend since your priorities will dictate to you. Also, it is ideal that you set a goal for saving. Perhaps it could be to buy a house to rent out later. These goals will motivate you to keep yourself disciplined.