Determine the amount of money you want to save. Next, write down the amount of money you want to save per month. Remember, it’s not the amount of money you can save, but the amount that you would like to save monthly in order to reach your future goal. In other words, you should calculate backwards from your future savings goal instead of writing something like saving twice the amount of your income. For example, if you want to buy a US$10,000 car 2 years later, you will have to calculate how much you need to save monthly counting from today onwards.