As important as this subject is, I will be brief.
Why create a saving plans
--- to cover expenses for a 3 month period, &
--- to save for a down payment on a car, &
--- to save for a home or real estate investments, &
--- to be ready for opportunities, &
--- consider your own such as vacations.
Please take the time to meditate on the reasons and benefits of having a savings account and
--- decide your minimum savings
--- design a plan to reach that amount
--- include an amount to reach other goals as well.
Credit Unions have such fabulous programs regarding saving, I am not going to go beyond that.