I save money in a high-yield savings account like it's a 401(k) - Business Insider

and went to my payroll provider to change my direct deposit — $100 out of every paycheck would go into my Ally account, the rest would go into my checking account.BesidesA high-yield savings account helps me save off the topaccount is that your money earns interest while it's sitting there. Ally currently offers a 1.60% annual percentage yield and requires no minimum account balance. Every month, my balance increases by the same amount, plus interest.

The money in my high-yield savings account is off-limits to me — unless there's an emergency, of course — and I can spend only what's in my checking account, which is at an entirely different bank. Ultimately for me, this strategy works in part because I don't have to contemplate what I'm going to cut out in order to save more. I work backwards in a sense — pick a savings amount and force myself to live on what's left over. If something is important to me, whether it be my monthly clothing subscription, daily tea, or an indulgent dinner, it will find its way into my budget., I have enough money in my emergency fund to cover about three months of expenses.

Unless your funds are managed by Madoff’s ilk. And assuming it’s even possible to cut into yr paycheck while keeping lights & heat on. But OK.

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