Car Paid Off? Still Make the Payment
Yes, you read that correctly. Once you pay off your vehicle, continue making the "car payment" into a savings account. And maybe this account is entirely separate from your existing savings account. You can then use this fund to pay for car repairs, insurance, or even have a nice downpayment saved up when purchasing a new car.
Those who exercise this discipline have only great things to say about the process. They admit it was difficult initially, but then the first visit to the shop was proof enough to continue this habit.
Maybe if the whole car payment is too much, try half of it. Baby steps.
If you are persistent, you will get it. If you are consistent, you will keep it.