How do I prevent the urge to dip into my savings account?

Answer 1

Just forget that you have savings account.
When you think about it, say no, I don't have savings account, it is just a sweet dream.

Answer 2

Try using one of the Internet Only savings accounts like Ing Direct, Emigrant Direct, or Citibank E-savings account. First, they offer much higher interest rates than a regular bank pays. Citibank E-savings is currently paying 5% which is better than anything else I've seen. They are also fully FDIC insured, just like your regular bank.

Secondly, these banks have a built in delay. It generally takes 2 or 3 days for you to transfer that money into your checking to get at. Sounds like a perfect "cooling off" period for you.

Answer 3

don't know about preventing the urge, but not dipping into it is just as hard, just keep picturing that warm, sunny, beach, with the coconut palms and the cabana boys bringing cold drinks in coconut shells, or whatever you're saving for. Me it's a Mustang 60's or 2000's models probably both!

Answer 4

Just think from now you will retire a millionaire after saving all these years...living the good life...driving a ferrari and either your husband who is 20 something or a cute pool boy in nothing.... :)

Answer 5

I have found that the use of an ATM card is not good for saving!
Use cash or creditcard (pay it off each month).

Answer 6

Transfer all that money into MY savings account, so you wont have access to it anymore

Answer 7

just forget about it. that's what i do. i just deposit
50 or so bucks a week. i have been doing if for years now, and i dont even know how much is in it. i just forget all about it. i dont even open the monthly statement, i toss it in the "statement box".

Answer 8

difficult problem try searching using yahoo or google that will could actually help