Originally Posted by hannah's mommy

We have a separate savings account set up for short-term savings, and we just automatically have a set amount of money transferred into that account from our paychecks. That way, we never miss the money, because we never had it in the first place. It is also at a separate bank from our other accounts, and we don't have online access to it, and we don't open the statements until November. Otherwise, we'll see the money in there and want to spend it!

So then in November, we use most of the money in there for Christmas shopping.

We do the same thing for our long-term savings, and our emergency fund.