I have money taken directly out of my checking account on the day I get paid and deposited into a savings account in another town. That way it is harder to get to and spend on things I don't really need.
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Set up a savings account that allows automatic savings plans (ex: ING). Set a certain amount of money to transfer to your savings the day after every payday. If it's not in your checking account, it's not as tempting to spend it. It may help to have a goal (next house, car, etc.) for your savings.
I have an automatic debit from my checking to ING Direct (savings). So many times I tell myself I'll put money away if I have it left at the end of the month and then I don't end up doing it. By making it an automatic debit, I know it will get done. Also, by using ING Direct (great rates by the way), I cannot easily transfer it back into my account to use (takes 1-2 business days).
Saving money is just like losing weight, realizing several little changes add up to a big change in the end. Plan ahead and budjet just like you track nutrition on here, make several small changes like cutting out a few small expenses or finding a way to save on other things, like coupons or packing lunches, then those savings go into an account and add up in the end. If you like this site planning meals and fitness workouts, same thing to make savings automatic from your paycheck 306
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