My husband & I pay £5 a week into our own slimming club fund instead of going to a to a commercial slimming club & paying out for that. We don't miss the money & it quickly adds up over the weeks. We are going to use the money towards renting a cottage for a walking holiday next year.
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I recently joined a local running club. Having payed the annual fee and and stated my commitment to this small group is motivating me to keep going for the runs. Before joining the club, I repeatedly made excuses for not running, since I was not accountable to others.
When you get paid, subtract all the bills you have to pay first and you can see exactly how much is left for food, gas, and extras. Make the payments and mail them so you know it is done for the month. No late fees, none forgotten and no short bank account with bills to pay.
Check out this CNN Money article about "7 banks that are still awesome": http://money.cnn.com/galleries/2011/pf/1110/gallery.best_banks_checking/index.html?iid=EL
Not every one of them will be good for a particular individual, but many offer no ATM fees (or reimburse you for the fees), pay interest on checking accounts, offer higher than average yields on savings, etc.
Read the summary for each bank and then I suggest you call or go online for more details.
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