[sardonicbryan]

I save 30-40% of every paycheck (not including 401K), but I live at home and don't pay any rent (also no loans), have no wife/kids, no mortgage and my work offers free lunch and dinner.

One thing that helped me save more though, was creating a spreadsheet that I update every weekday with all of my account balances (through Mint). I have some formulas built in that basically then calculate when I will be able to afford a down payment on a home. http://twitpic.com/7i78rb

I put both Mint and this spreadsheet on the list of default tabs that get opened when I open Chrome, and the minute every morning I spend updating it and seeing the date it spits out really keeps me on top of my spending and finances.

Translating my current financial picture into a concrete date for a goal also helps make things more real, and motivates me a lot to save more.