You can use payroll deductions and bonus incomes, looking around for the best interest rates, and improving your spending habits. You can add up to your savings by doing little things that can help you: save lunch and coupon money, take advantage of sales, saving your loose change, and being willing to compromise especially when there are other bills that call for your attention and money. For example, you apply for another credit card and use cash advances from it to pay an existing card. You have more credit cards than a successful gambler has poker chips. You are at or perilously near the limit on each of your credit cards. You consistently charge more each month than you make in payments. Remember, savings is not the amount left after you've paid for everything. Think of savings as part of expenditure; deduct it from your salary the way you do with utility bills, rent and other necessary expenses. Ten percent is automatically added to your savings account every pay day Budgeting and planning means never finding an excuse not to save. Budgeting software is an automated solution nowadays that will help you keep a systemized maintenance of your budget. By using budgeting software, you can track your income and outcome. Credit cards make it easy to spend on impulse but by using a good program, you can reduce your expenditures because you can analyze your financial situation with ease. Most people are lucky to have anything left over at the end of the month after all the bills are paid. When someone tries to lose weight, the more they track what they are eating and how much they exercise, they better they do. The same goes for keeping a budget because it is very easy to eat something unconsciously as spending money unconsciously as well. For years to come, photos will be looked upon, with brimming happiness, by the then bride and groom, again and again, and also by their children and grandchildren. PERCENTAGE Thirty percent (30%) of the wedding budget goes to food and venue, twenty-five percent (25%) of the wedding budget goes to the photographer and twenty-five percent (25%) of the wedding budget goes to the dress.