Something difficult for people who find it hard to save is to resist the temptation to always spend a little more. If they go shopping, they end up buying more; If someone calls them out, they go even if it is already out of their budget, and so, more examples that make their savings shrink.
What many of these people have in common is that they keep only one account, in which they keep both the money for their monthly expenses, and the savings they so desperately try to care for. This, unfortunately, does not work. Ideally, separate both accounts and these are the reasons why you should do so:
Help not carry the card everywhere
If every time you leave, take the card where you have all your money, you will always have extra money on hand to use, even if you leave your savings. By carrying only your expense card, your savings remain safe at the bank.
Savings accounts offer higher rates, but less facilities: Ideally, you will be paid for your savings, so ideally, choose an account that pays you high interest. However, these accounts usually restrict withdrawals or deposits, so they will not be useful to manage your monthly expenses as well, but to deposit your savings and not touch them for the rest of the month.
Less temptation to impulse purchases: If so far your willpower is zero and you always end up spending more than what is proposed, by separating your accounts, you will only have the necessary money, so excess expenses are over.
You can purchase cards that allow you to accumulate points
After choosing an account that pays you well for your savings, you can choose one that gives you low interest but offers to accumulate points, kilometers and other benefits. For your expenses, you must choose a bank with many branches, for your savings, quite the opposite: The fewer branches the bank has where it puts its savings, the harder it will be to give in to the temptation to go there to withdraw the money. On the other hand, the more branches the bank has where it places its expense account, the easier it will be to carry out day-to-day operations.
It keeps you motivated: Because you see how your savings are growing.
If saving is your Achilles heel, there is nothing better than seeing how much money it cost you to save is growing, thanks to the interest you are paid. Therefore, do not leave with any financial institution, compare your options and choose the bank or box that suits you and pays you the most.