i recently started a small saving thing with my bank and am pretty happy about it. i did not want to start off with something big and have chosen to go with a nominal amount each month. while it is not too much, it is always good to start, and anything saved is saving at the end of the day.
i don't have a monthly saving as such but to make sure that i do keep something aside and don't use up everything, i have two different bank accounts. i barely use the other account and don't even carry its debit card with me, so that i cannot withdraw or spend for it.