Savings culture  is very imperative towards offsetting  future expenses. It is a system of removal of a certain amount from one's income realize from a transaction. However part of the problem people face is that they decides to wait until they accumulate a huge sum before they can save funds. My advice for such people is to start  with that little penny and give your self  that initial commitment  and you will see yourself being  motivated to achieve your goals either short  or long term goals.