i just salary man... reach manager rank @ age 35+
then i hv side business doing insurance but recently stop insurance since Bank Negara set minimum requirement target for every agent hard to hit the target as part timer.

yup, i rented out 2 property to cover all my loan...

as long as you spending wisely and not in to branded item... you should be saving a lot.

every year, i limit myself to buy 2-3 clothing and 1 pair of shoes.... even my wife and kid only buy new cloth during CNY and just few pair...
since we seldom travelling, we no need a lot of cloth..
most time eat at home cook which is cheaper than eating outside..
my wife and me, use to tapao to work from home
even weekend, we avoid eating outside.. however we will spend time walking inside mall but avoid spending unnecessary...
we sometime just sit at starbuck for few hours and ordering 3 cup and sharing among 5 of us 
even traveling, until now, we farthest traveling we had is to bangkok.. most time we spend time in KL or Genting.. every 6 months.

anyway budgeting your monthly spending is need if you plan to save money..
regardless my salary even with increment every year, i just keep RM500 for monthly spending, while remaining will keep in bank saving and pay installment...
the RM500 will be use for petrol, food and weekend spending...
sometime, my wallet just left few dollar during end of month and my wife alway nag me