Just heard this great tip from my friend. If you get a raise at work, force yourself to live on the same salary you have been accustomed to receiving for at least 6 months. Stash the difference in a savings account so you won’t use it for the time frame.
At the end of your time period, evaluate your status. Can you continue to live on the same salary and build your nest egg?
If you force yourself to be disciplined like this, you may just find a wonderful way to build that emergency fund!