When you get paid, just pay yourself. You are the imaginary bill. When you get paid from your job, salary, self employed income, online business, home business, or any income you may have coming in, just take a little out for yourself. Give yourself a tip as if you are a waiter or waitress. Donate money to yourself, or invest in yourself. Take 10 percent of your pay and save it. The bottom line is, nobody is going to give you anything but, you can give yourself anything you want.