[Aleta]

From each paycheck, I allocate money to different categories. For instance, I allocate money monthly to car maintenace, home maint., Xmas spending, gifts, household suppolies, car insurance, and many irregular bills that will become due. I transfer this money from my household spending account to my money market and let it sit there until the bill is due. Sometimes I don't know if you call this saving or not. I call it allocating because it will be spent. Also, to me saving is for the future for shortterm needs as well. Saving for a car, downpayment on a home, vacation, etc.