Here is how it works.
One of my favorite sites for tracking how I save is Piggymojo. Piggymojo gives you credit for any moment in your day when you think before spending.
That's great for other people. Me, I need to think afterward too.
So whenever I splurge, I dedicate a dollar-for-dollar savings to the kitty.
Bought a burger? Transferred $8 to the savings center. Parked in a pricey downtown garage for the day? $20 goes to the bag.
Let the magic of guilt work its wonders.
[public domain image of Granny Goodness from Samantha at the World's Fair, by Marietta Holley, 1893.]

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