[Gustomaximus]

For me a good way to save money is 'not have it' and not get used to spending it. Each pay cycle I move set %'s of my income into 5 separate accounts.

These are;

Daily spending, risky investments, safe investments, lifestyle savings (e.g. holidays or other luxury spends) and bills/fixed expenses.

Often I will dip into lifestyle savings if I overrun my daily spending.

The best simple extension would be to have something that tracked my current spend for a month against time left in a month for my 'daily spending' account. But not sure I'd want to give just anyone access to my bank details.