[pearkes]

The Simple goals[1] feature has helped me save a ton of money FWIW. It basically just hides money from you, and show's you this "safe to spend" balance.

I actually look at this number, because the iPhone app loads quickly and only requires a 4 letter passcode after logging in.

I set really agressive goals and when I notice I'm getting down to the wire on "safe to spend" I make a conscious effort not to buy a coffee, or whatever else.

If I saw my real bank balance, I'd shrug and say, "Oh, what's 3 bucks for coffee?"

[1] https://simple.com/blog/Simple/announcing-goals/