[ziggit]

I like simply using the approach of pretending a portion of my income doesn't exist at all. I've got a Money Market account that I shuffle money over to automatically, and in a reasonable enough quantity that I don't have to run the risk of tapping into it.

I make a point to never look at my paychecks and never check the balance of the account, and instead simply deal with my post tax, post saving total.

It doesn't lend its self to an app, but it has served me well over the years.