Take advantage of your employer's match to your 401K. This is money that you can have without any additional work on your part. Most employers match up to about three percent, though several will go higher. To take advantage of the match you need to sign up to contribute that percentage of your income to retirement each month.
If transferring the money to your savings account is the problem, then you should consider having it auto-drafted from your account each month. You can visit your bank to set up an automatic monthly transfer. Many banks allow you to do this online as well.
You may consider having a portion your savings account direct deposited into your savings account as well. If your employer allows you this option take advantage of it. If you never see the money, you are less likely to miss it or to transfer out of your savings account.
If you have trouble leaving the money in your savings account, consider using a savings account offered by an online bank such as ING. This will slow down the transfer rate, and help you to budget much more carefully. Additionally the interest rate is usually higher.
5. Increase Savings with the "Keep the Change Program"
You may consider taking advantage of Bank of America's Keep the Change program or something similar that your bank offers you. This should not be your only savings method, since you will not be saving high dollar amounts, but it can add on a little bit of savings.
You can also choose one luxury item to give up or cut back on and put that money in the bank. This item could be a small ticket item that adds up quickly-think daily coffee trips. Or it could be a more expensive luxury such as your weekly massage. If you cut back or quit altogether you will find the savings do end up.