I don't. When I was in high school - my personal finance teacher made us watch the Dave Ramsey tapes and some other great ones and i learned a lot of really good savings tips from those. I ALWAYS pyf (pay myself first) with each check i get. I always put something away into my savings account- even if it's just a few bucks- i AWLAYS make sure i save something. I have a CD that i add to each year that is for my retirement when i get older.
I have two savings accounts - a primary one for emergencies/hard times/etc that i try not to touch unless necessary
I have a misc. savings account just for the little things- like wedding expenses, home improvements, vet bills, clothing i may need for work ,etc- so that i'm not tempted to dip into my primary savings account and blow all my money.
And i have a checking account that i keep track of daily and am pretty disciplined about.
Colin is awesome with money (fortunately!) and i've learned a lot of really good habits from him when it comes to investing and saving- he's well set up in investments/etc- the Navy really took care of him when he was a lt- so he has plenty of money should we fall on hard times/etc. We're both really careful with what we buy and we save ahead if we want something and only spend money when we need to for the most part. We also don't have cable/satellite or home phones so that saves us money as well. We "carpool" as much as possible to save gas money, we use cupons and try to "recycle" things around the house to make them last longer - a coat of paint will do soo much!
I also get a lot of my work pants from Goodwill and wal-mart so that saves me money as far as clothing gose (no need to spend tons of money on nice pants just to have the shelter animals get fur on them
For me- being a wise steward of my money is SOOOOOOOOOOOO important. I saw my mom and my aunt struggle my entire life as single moms trying to raise us kids as best as they could- they live pay check to pay check and bairly get buy. I don't want that kind of hardship for me and my future family - i want to be wise with what i make- so i am very, very careful. I want to be able to take care of my mom when she gets older - so i also have a saving account set up (that she doesn't know about) that i add to each month. It's not much- but it does add up. We also don't go out to eat too often- i do a ton of cooking at home (i have food allergies, that and it's healthier) and since we're both city employees, we go to the local movie theatre because we get in free there for our dates sometimes. We really try to not speed too wildly. If i do spend money on something fun though- it's only if i've saved up for it. The biggest expense for me is my medical bills/prescriptions- they're astronimoical! And right now i only have short term health insurance for emergencies (mine went out a few months ago on my birthday) - when i get married in March though i will go on Colin's so that will be great. Right now my short term insurance won't cover my prescriptions (and i can't go without them) so i'm paying a ton out of pocket for them though which stinks. I just try and set money aside for it though and that seems to be working soo far- i'm definitely doing "without" but i'm not going into debt for it though. Because my presciptions are soo pricy though, i'm having to really be frugal about what we do with our upcomming wedding- so that makes things a bit of a challenge- but it's doable. I don't want to go into debt our entire marriage for one day- so we're trying to keep things in persepctive and be wise with what we spend.
One thing i'm SOOOOO glad i never did was get a credit card. Sooo many people get themselves into CC debt and it's hard to get out of it- so i'm glad i never got one. I have a debit card i use for things and Colin has a cc for emergencies that gets paid off every month- so we're careful about that. I do not make a ton of money- i'm a vet tech....but just because i don't make a lot does not mean i can't save- that's one of the big things i learned from my personal finance class a few yrs back and it's really stuck with me. EVERYONE can save no matter how much they make - you just have to cut back and figure out way how to.