> Receive salary > pay bills, buy food etc. > all the rest, transfer to a investment account

One thing that has worked for me is to “pay myself first.” [0]

If £4000 comes in and your monthly outgoings are around £2000, invest the remaining £2000 immediately. The main benefit this gets me is that it forces me to budget better and come up with other streams of income (usually eBaying stuff) in case I come up short.

[0] https://www.investopedia.com/terms/p/payyourselffirst.asp