I'm pretty bad at spending money, and this is kind of how I have gotten myself to save more -- not Digit, but the 'squirrel away money so you dont think about i

I'm pretty bad at spending money, and this is kind of how I have gotten myself to save more -- not Digit, but the 'squirrel away money so you dont think about it' strategy. I keep an eye on my main bank account, but I have about 5 other accounts all deducting from it at various points in the month. Some goes to (autoinvested) stocks, some goes nonliquid LendingClun, some goes to a few other bank accounts. My goal is to try to keep the main account 'floating', because while that floats, the other ships rise. In practice, I tend to keep a float for a bit, then splurge and have to bring money back in. The one thing I think that is helping me with this is YNAB. Forcing me to prebudget (and then to deduct from other budgets if I overspend) has made me much more conscious of habits.