From my auto deposit into my bank, I also have 2 other withdraws up into my Christmas savings account and my emergency account.. $50-$100/mo. When it's auto done.. you don't think about it and it really adds up!!
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Each month, I schedule SMALL automatic transfers from my checking account into savings for college, taxes, vacation, etc. I schedule the transfers for the day after my paycheck is deposited, so saving takes priority over any purchases. I'm always surprised how fast these auto transfers add up!
I always found I'd spend my money for bills before I got a chance to pay them. So I opened a second account for bills. When I get paid I add up my bills and leave that money there, then transfer the rest to my spending account. This way I never go over on spending funds. Include "savings" as one of your "bills" and set up an auto transfer to your savings account.
I'm sure it's been said but setting up an auto-transfer is a great way to go. It's easy to know that on pay day $x.xx is beign transfered out that it becomes out of sight, out of mind. If you have direct deposit and your work offers to deposit to two diferent accounts, this is even better because it's hard to miss what you didn't even see.
If you have a good budget, another great addition to this is at the end of each paycheck, transfer the extra funds that were not spent over to savings.
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