save some money from salary

As i found, many reasons why it seems difficult to save money from salary. Few of them are:

1. Too much debt to pay.
2. Desire not balance with need.
3. Consumerism.
4. Unuseful stuff.

According of those reason, there's some alternative solution:

1. Pay out/clear all the credit cards or any invoices. Dont debt. Dont pay minimum payment, it's just increasing the debt from it's interest.
2. Minimize the desires/wishes of things. Desire is not the same with need. Sometime, when we think that i need a car, think twice, do we REALLY need a car? can i drive just a motorcycle to my workplace or just a bicycle?
3. STOP spoiling eyes and brain for what we see, we touch. U dont have to wear luxurious satin gaun to the party if you can modify your cotton gaun.
4. No more than 2 credit/debit cards in wallet. Use it wisely, dont push the limit.
5. investment, investment, investment. You can apply insurance for keeping your money, of life insurance, or any insurance that fit with your condition. OR.. you can apply for bank deposit which has annual withdrawal, which give us penalty if we withdraw before the time limit.
6. CUT OFF 10-30% from salary immediately after we received and save it to your bank account. Make it as "dead account", dont make withdrawal history from this account unless you really really really need it. Make this account without any card facility, low interest is fine, the important is it's safe.

"But i work hard making this money. I want to have some fun with this." It's fine, we deserve to have fun with our money, however, we work hard for this. But be wisely... Even we deserve to get some "gifts" for our work it doesn't mean we have to spend it lots. Saving at least 10-30% from salary is our future gift. And today gift? Haha... give us a cup of coffee everytime we save our money, or a relaxing moment for couple days, or silk gaun for this month.

The point is, make a goal with our salary. It's useful when we retired. Good luck and long live the salary.....