[AmbitiousSaver]

How do you guys build up a savings fund for emergencies and NOT touch it?

I already have 10% of my pay going into our savings account, but I never am able to just "leave it". I've used my savings to pay down the CC even more... but I reallly need to start building an EF. We still haven't used the CC in over a year but if I don't start building a savings fund, if something major comes up - I might have to.

Are there any tips you do to not touch your EF? Do you put it in a separate bank? Put it in a CD or something? What helps you keep that mindset that your EF is there for emergencies and not for something like paying down your CC? I'm really thinking that in order to build an EF I need to make it so I can't see it or something.