Save up
Saving money doesn’t require a complex plan. It’s all about discipline. As mentioned over at bankrate.com, you need to pay yourself first. Essentially, this means you should put money into a savings account or an emergency fund as soon as you get your paycheck.
You could even set up a monthly standing order so that a fixed amount of money goes from your main account into your savings account automatically. If you don’t even have to think about saving money then you don’t have to worry about accidentally spending your excess income before you have a chance to set it aside.