Remember that old saying? I found a bank that would let me have multiple savings accounts for free. I have my check deposited monthly in my bank & it takes out my savings & deposits the money I designate in each savings account before I even See it! That really helps me save for whatever I want!
I 've been doing this for 15 years & have saved enough money to make a down payment on a new car, have a very nice savings account, buy a nice used double cab Dodge truck with cash, etc. The benefits are that you can be debt free as we would if we didn't have debt from my dh kidney transplant.