[pz3]

Absolutely agree with this. In fact, something worth trying out that's worked for me is getting a no thrills prepaid debit card with minimal to no fees.

I fund my card from my main checking account with a pre-allocated amount of allowance money that I've budgeted. Whatever I don't use that month rolls over to the following month.

I find that when I have 'my money' (vs the money I need for bills and such...) I end up saving much more. Especially so when the money on the card is low and more comparable to my daily low cost expenses such as the ones you've listed.