The harder it’ll be for you to get to your money, the better. It means you’ll be less likely to spend it. Let’s be real, the reason why we spend so much money all the time is because of convenience, thanks to all the banks that allow 24/7 access to your funds.
Trick yourself by simply opening an account with a small bank across town- or at any rate, a bank that is out of your way. The sheer thought of having to drive so far away to get some cash might make you think twice about making the trip, thus helping you spend more money in the process.
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