10. Have a Savings Goal

If you’re just saving money for the hell of saving you might not reach your full saving potential. Creating specific goals will help kick you into gear a lot faster. You’ll know exactly how much money you have to set aside and for what reason.

For example, let’s say you need to set up a rainy-day fund but you also desperately need a new car. With these two goals in mind, it’ll be easier for you to cut back on expenses. Each time you want to splurge or new clothes or your favorite hobby you’ll think twice about where that money could be going instead.

Without goals, you’ll have an easier time brushing off savings concerns and you’ll sooner convince yourself that you can splurge “just this one time”. You also don’t have to make your money inaccessible in case you ever really need it, which is why checking accounts work so well!