The first year of our marriage, John and I paid our savings every month an allotted amount and made it like a bill.  It was amazing how much we had saved after just one year.  The 2nd year, we decided we’d just save “whatever was left.”  At the end of the year, it was just as unimpressive how little we had saved.  Since that time, we have faithfully paid our savings account and watched it grow.  For us, if we do not pay ourselves along with our bills (after first paying our tithing), saving is merely an idea rather than a reality.  What have you done to optimize your saving?