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The easiest way to save money for me is to keep two separate bank accounts - one for all of my normal monthly bills (rent, mortgage, utilities, cable, etc) and one for the "rest". Have your work do separate direct deposits into those accounts. Figure out the most you will spend in any given month and use that for the amount into your bills' account. Anything under budget that month, put into a savings account. Some months will have nothing extra but some months will be a few hundred!
Every few days I transfer the last "few dollars & change" from my checking account to my savings account. I like to keep my checking account even. So, if I have 333.50 in my checking account, I transfer $3.50 to savings. It's not so much that I miss it, but it's builds up over time in the savings account.
We had separate savings and checking accounts when the money market accounts appeared. We joined our savings and checking accounts into a money market account that paid interest. Guess what happened? The money all seemed to disappear.39 Now different accounts manage our savings.
We have the accounts in credit unions and accounts that pay interest. Each account is used to pay different types of expenses, such as taxes or vacations, Since we never see the total amount of our savings and/or checking accounts, we spend according to what is available in the designated account.
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