First, I am assuming you've filed a Chapter 13, not 7. And, yes, my budget was 'loose' enough that, after a period of adjustment, I easily found savings in it. Budgeting/funding EVERY available category in your plan is key, I think. In fact, by the end of my case (80% to unsecured, by the way), I had as much as $1,000 discretionary income monthly. So-called 'passbook' savings accounts at banks pay such low interest rates (compared to the 5% I got as a kid 40 years ago, anyway) I didn't bother. I have two checking accounts at separate banks, one of which I used to segregate 'discretionary' savings, while also keeping cash in the household safe. I saved enough to manage a mortgage approval 55 days after discharge.
