why not try to get a few empty jars and start putting money into them. let say u start with 3 jars. label first jar as credit card, second as marriage savings and third as study loan. everyday put some money say RM2 in them and let it grow. this method will provide u a start somewhere.

discipline is hard. i don't know what temptation of activities u r into but u can try to do this way. every time u wanna indulge in ur WANTED activity, say, hang out in a cafe n buy a cake n coffee that cost u rm 20, take that amount of money and put it into ur jar or an account. at the end of the month, see how much u spend unnecessarily. distract urself from spending.

investing in unit trust is also a good method to maximise ur savings but if u wanna marry... it's too late to invest for such purpose... for now, try to invest for ur retirement la n ur wife la. make sure that u have personal health insurance.

can u also ask ur gf to help pay for the wedding bill? split into half? or she pay the least stuff?

u can try working part time or freelance too. just don't enter those skim cepat kaya...

all the best.