We utilized automatic transfer from checking account to MMA beginning of each month. Its also important to have a budget and stick to it. For instance, if you over budget on food items, don't just spend that money apply it towards EF. Conversely, if you pay off your credit card this month. Saved that money the following month as extra savings. Also, if you sold something on craigslist it goes to EF. The point is, you want to think ways to save everyday instead of spending. The earlier you can adapt to this habit, the easier it gets in the long run. Good luck
