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We have three checking accounts with Citizen's bank for free by utilizing multiple withdraws to another bank savings account. We utilize ING Direct for a savings account. Signing up for GreenSense through Citizen's we get 10 cents per transaction that is not a check. We make about $20/month by doing what we already do! Divide withdraws or payments up into smaller amounts to get more money/month!
Giving a microloan through Kiva.com is a great way to save/use money. As the people repay the loan, you can withdraw it or save it up to reloan it to another person. If you need it, withdraw. If you don't then wait.
Each payperiod I withdraw a certain amount of cash that I can spend during those two weeks. I write down where that money goes. Each month I review how I spent the cash. This helps with my budgeting & analyzing my wants & needs. I know if I need a new budget category or if I'm buying too many treats
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