Could you live on 40% of your income—and save the other 60%? It sounds impossible (or tortuous), yet Mary-Jo Dionne says she's learned to make it happen—and happily—with a system she calls the 1-2-3 saving strategy.

"Every time I get paid, I instantly pop 10% into my shopping/mad money account; 20% into a business expenses account; and 30% into a taxes account. I've learned to live on the remaining 40% only--this is what I use to cover mortgage, retirement, bills and real-life stuff," Dionne wrote to us.

Really?! Live on less than 50% of your income? Even in the disciplined corridors of DailyWorth's headquarters, we struggle to save 20%.

I contacted Dionne, a freelance advertising copywriter and amateur pet lobbyist in Vancouver, to learn how she became a mega saver.

Dying to hear how she does it? Us too!