2013-01-02, 12:30 PM
Get a savings account, preferably one where you can only deposit into it directly. Deposit a set percentage of income, as MasPan suggested. If you need to go to the bank itself to actually withdraw from the savings account, you will be much better off. The issue you currently have is that all of your money is immediately available to you at any time. You have no reason to not spend it. Putting it away into an account you have to work to get it out of is essentially cutting yourself off, because you will think before you withdraw from it in the future.