How do I save money every month without dipping into it?

I have a savings account that I automatically transfer money to but I always end up transfering it back to my checking and spending it. I asked the bank if they have an acct that I could make deposits to but not withdraw from and they don't have anything like that. How can I save money without dipping into it all the time?|||open an ira account if you don't have one, you can't touch the money until you retire.





ask your bank to see if they have something call vacation accounts, it sort of like CDs, you can't withdraw until a certain date.





write a check every time you get pay to someone you trust and good with money, ask the person not to give your money back until when you really need it, the interest earn on the money or a portion of it can be a gift to that person.





open a safe deposit box in the bank and put the money in there, but you have to pay an annual fee for it.





have 0 exemptions on your paycheck so irs will take out extra tax then you'll get a big refund when you file tax





if you have kids, put the money in their accounts|||Easy; quit spending your money on stupid stuff that you don't need.|||CD accounts. Good Interest rate, and if you dip into it, you have to pay a fee.|||Get a paid savings account, its free except when you take money out to spend you have to pay a fee, that will stop you from spending money real quick.|||Set up an automatic debit from your checking to a savings account that goes through on the same day your paycheck goes in. Work with your bank.|||YOU need to control your spending. The bank isn't gonna help you, and neither can anyone here.|||The best option for you is going to be a cd account you would need to speak with your bank to what types of cds they offer.|||Putting it in a CD gives you the "penalty for early withdrawal" incentive not to spend it.





Or, open a savings account at a bank on the far side of town. Don't get a ATM card for it.|||You have all the answers you need here. I will simply add that you need to learn to budget AND cut down on your expenses. Here are a couple of links that will help you with both.