i had this exact issue last year what i did was set up a high interest earning savings only account, and put money away each week. i started off with a small amount of $100 a week, and then every two weeks i would increment that by $100 until i found a sweet spot of being able to save and live comfortably. i did this for about 6-8 months, then by the end of the year i had quite an impressive savings, finished up at my job and now this year im doing producing full time and taking time out just to enjoy life the important thing is to always just keep putting money into the account, you will be surprised just how quick it all adds up. do up a budget, add up your expenses for the month and see how much comes out (deicde on what you need to spend money on and what you want to spend money on, then take away a coupple of wants), maybe you can also get different job with less hours and still be able to live comfortably