That's a good point about the savings account. Pay yourself first! I just started doing that myself. I put 10% of every check into the savings account. I just opened a savings account with INGdirect that earns 2% interest, plus I got a $25 bonus for opening through a link someone sent me, plus another $10 bonus for my niece signing up through a link I sent her. Not bad! Within a couple of weeks I now have almost $200 saved. That's $200 that I would have just spent on something else if it didn't go right into the savings account. I plan to put 10% of my tax refund away too. Now when something comes up, and something always will :LOL, I'll have some money.