Pay your bills

"I don't believe in saving, " a friend once told me.  "I only care about what I can buy today.  I don't want to think about tomorrow.  Plus, I don't do discipline.  I'm not going to save over and over again to achieve some goal way in the future."  While not a saver, he did pay all his monthly bills.

Why not issue a personal savings bill to yourself, each month?  Don't think about saving.  Just pay the bill, on time.