What's an effective way of saving money?

Here's the thing, depending on how old you are you can have your parents open you a custodian account. One they have control of and you can deposit money into. Your parents have to go to the bank sometime, make sure you go too. Sit them down and tell them how important this is to you and that you really want to open an account so you don't spend all your money. If they have access to an on-line bank most likely they can open you an account on-line. If they don't then you need to get them to take you to the bank. Set up an appointment with them to get it done. Next, limit your access to the account, although I don't see that as a problem. The rule of thumb is 12% to be able to retire and live above your current means after retirement. Saving more now means having more later. If you are of age you can open an account as well, see if your employer is willing to direct deposit your check, once the money is in the account leave it there until you absolutely need it. Out of sight, out of mind.