So far I have 3 parts that I have to fulfill from my total monthly income. The first 40% is for living expenses and family needs, the second 30% is for investments, while the other 30% is for the reserve budget including unexpected costs and charity. Of course this is a percentage that I can't always maintain consistently, but it is a reflection of how I have managed my finances over the years. It doesn't matter if you and I have different ways, but as long as it's good for ourselves then I don't find a problem in how to manage it.
Just simply owning a piggy bank when you are a child means that if you have coins you will put them there because you know you can buy a toy if it is already full. Even in small amounts you can save it because later on it will accumulate. The problem right now is that the mindset of saving is that you'll be putting bigger than a penny into it which is why others got discouraged from saving a penny. So if we practice it then for sure even in hard times we can still save so it really depends on our discipline and mindset.