Split up your salary

Set a specific percentage to automatically deposit into your savings so you're less motivated to touch it while out at the bar.

 

Ask your company's human resources department or Accounts department (depending on how it works in your organization) to divide up each of your paychecks between your savings and current accounts.

If you can’t do that because your organization doesn’t offer such employee benefits, you can write to your bank or talk to your account officer about it.

Set a specific percentage to automatically deposit into your savings so you're less motivated to touch it while out at the bar. After all, you can’t spend what you don’t have.

Also, make sure it’s an account that you don’t have an ATM card for. Thankfully, collecting an ATM card from the bank is not compulsory.

Another bonus: Interest rates are generally higher for savings accounts than they are for current accounts.

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