I find it easy peasy to save. Yeah depends on the type of person and lifestyle. I'm forever telling others how to do it becausethey know Ifind it a doddle!

Here's one: Why not open a passbook only account. That way you can only access money during work hours and you'll have lessways to take money out. You may only have break/lunchtimes. Use that time to put money in and if you have other things to do try to make sure it's the last thing you do before you have to go back to work.

Another way is to look on saving is as a bill you HAVE to pay - save so much every month and just as with real bills you don't get any money back - look on what you have saved as 'gone' or 'paid'. Only once you have reached your target can you take money out.

The old adage 'saving for a rainyday' for me is a hard one to beat because that way you can save indefinately. Then when (and I mean WHEN) the 'rainy day' does come you'd be able to sort it out. It should give you incentive to carry on saving for the next rainy day.