We always run out of money before we manage to save. How do we make sure saving comes first?

Pay yourselves first: set savings aside as soon as the salary comes in, rather than waiting for what is left at the end of the month, which is usually nothing. Set a fixed amount to be transferred straight into a savings account on payday, automatically if possible. Treat that saving like a bill that must be paid, not an option. Start with a small amount that doesn't hurt and raise it little by little. Spend what remains after saving, not the other way round. This way, savings grow without needing willpower every month. See family finances.