Saving is a discipline. It takes hard work and you must be devoted to it. Saving only happens when you promise not to spend that ten percent. The first thing you should do when you receive money is to split it up. Take out ten percent for giving and ten percent for saving.

Put that money where you will not touch it. Put it in a place where you will not be tempted to spend it. That may mean hiding it in a container in your home. It may mean giving it to a friend who will promise to hold it for you. Or, it may mean putting it in a bank. Putting your money in a bank is probably the safest idea. But whatever you do, do not spend that money!

Many people may think, "But, I do not have enough money to save ten percent - especially after I give ten percent." But it is possible. Even if you can only save a small amount, that amount will soon start to add up. But try to save something, even if it is not ten percent.

Many people think this plan sounds impossible. But you can start simply. Start by setting apart only two percent, or five percent each for giving and saving. After a time, increase the amounts of money you are putting in these areas.

Soon, you may discover that it is not a difficult plan at all. Many people who follow this plan even begin to devote MORE than ten percent each to giving and saving.