6. Make Your Dreams Tangible With Labels
Say you're saving up for a new sofa for your home. Rather than just amassing a certain amount of dollars in your checking account and then hoping against hope you don't dip into that fund when you go out for dinner with friends, make the goal more tangible by creating a savings sub-account for it.

So rather than just dumping it into your savings, you'd make a second account and label it "Couch Fund." Once you see the money growing for it and getting closer and closer to your goal, you'll be more inspired to skip that round of drinks in order to stash it away for your new sofa.

Image found on Pinterest here, from Say Yes.