Savers-Do you do anything similar?

[TheStreetCeo]

I've been a saver for many years. When I was young my father who is not a saver tried to teach me otherwise. He opened a savings account for me and helped me set savings goals. He also had me set zero balance goals. He calls them mental zero balance.
We would set small savings goals back then of $100-$500. Once I reached a savings goal I naturally set a higher savings goal. Once I reached that goal, my previous goal became the new mental zero balance and I could not go below it. Make sense?

Over time the spread between your savings goals grows and your mental zero balance grows too. It's not an emergency or retirement account but a discretionary account that is used to have fun pre retirement.

Does anyone else do something similar?

[txman14]

That is exactly what I do. Once I hit my goal, that becomes my new zero. I have been doing that for years and it works well for me. I just tell myself that I cannot go below X in my account because that is the new zero.

[maat55]

I use the zero mentality for my account cushions. I will not spend money out of an account once I reach that cushion.

[CalireEHughes]

I do the same thing except I actually move my money into an account far away from my other accounts so that it actually looks like I'm sitting at 0. It's kinda the same as when ppl set their clocks 10 minutes a head

[rob62521]

I've never called setting it a zero balance, but do something similar. Plus, we open other accounts for vacation, Christmas Club, etc.