Ladyday.

Just like yourself I'm terrible with money saving. So I decided to set up one of those ten year saving plans, where I get a lump sum once the ten years are up.

At the mo, I'm saving £50 per month. Money comes straight out of my salary, so really I don't miss it. Been doing it now for 5 years, only 5 more to go.

In addition to what backatya mentioned I'm also saving all my loose change e.g 1p,2,5,10,20pences etc and put these in a tin. You be amazed on how much you do accumulate over time.

Never too late to start.