[jfruh]

One hack that I definitely find useful for saving money is to create different savings accounts for different purposes and putting a set amount in each on each month. For instance, I have a vacation savings account that I put $300 into every month; it becomes a repository of of cash I can use when I travel, and I can spend it in big bursts when I do. If that $300 month just sat there in my ordinary savings account, I'd probably find something else to spend it on.