Out of sight, out of mind..

My problem with saving was that my savings account was at the same bank where my checking account is and when I wanted something, I would just call their automated service and transfer from saving to checking, and there I would go, spending my savings.

What I had to do to stop my spending insanity was open an account at another bank way across town, set up and automatic draft from my checking account where my payroll is deposited, and now, every month, they take an amount off the top and I never see it, never touch it, don't have any idea where their drive thru banks are, I don't even know the account number. It's somewhere written down. The only reminder I have of the money is the quarterly statement. And it's growing fast.

So, if you are a spend-o-holic like "Moi", it's really working for me. Give it a try.