1. Make Your Savings Very Hard To Get At

If you’re known for dipping your fingers in the proverbial cookie jar then make it as difficult as possible for you to reach your savings. This way you will be deterred to splurge a little after you’ve had a hard day, no matter what.
Avoid getting a debit card, first of all, but whatever you do don’t link your money to your other accounts. Look for an interest-bearing account, such as through an internet bank. The idea behind this is to avoid walking into a branch whenever you’ll need the extra cash. That’s why mailing checks or using mobile apps for deposits work best.