[CRFSaver]

My biggest money saving strategy has always been direct withdrawals into my ING/Emigrant accounts. Every month 355 bucks is taken out for ING and 250 for Emigrant on certain dates. Then when I have extra I do a one time transfer. I set up the automatics to conicide with my pay dates so I never miss the money. I got my sister to do this (who never saved a dime in her 35 years) and she has already accumulated a good couple grand. I dont think she has had that much in the bank since highschool. I also have maxed out my 401K.

I don't do a budget. The one thing I never budget is food. It is the one thing I refuse to budget on. It is my one vice. LOL THe other thing I used to do is not do a big purchase till I had X dollars in my account.