Having trouble NOT dipping into your monthly cash flow? Try opening a separate account to help resist the urge to frivolously spend the money you rely on for bills. Use your main checking account for regular expenses like your rent or mortgage, utilities, and food. Use your savings account for long term savings goals and emergency funds. And open that extra account to put money you’ll ignore. To keep it mindless, set up an automatic transfer from your paycheck or checking account. That way you can ensure you actually put a little something aside! That extra padding can help with short term emergencies or unexpected minor expenses, and will help keep you on track with your long term savings goals.