If you’re on top of your financial game, you probably have a nice savings account. Some of us are lucky enough to have a savings account at all. If you’re ready to start building savings, but are worried about putting money aside that you’d ordinarily spend, we have the perfect solution for you.

Ariel Anderson Fortunato, a certified financial planner at Society of Grownups, told Swirled that the trick to maintaining a healthy savings account is to set up a separate savings account at a bank that’s different than what you use for your checking account.

Yes, it might initially seem annoying to add another bank to your financial docket, but Fortunato says it’s one of the smartest moves you can make with your savings.

“The point is that you can be intentional in your money if you have money in a separate account,” Fortunato said. “You can track and visualize your savings instead of hoping you don’t go under a certain amount in your checking account.”

Move your funds, forget the money is even there.

“You’ll feel like that money isn’t super reachable,” Fortunato said. “It’s out of sight, out of mind, and it’s meant to used only for those emergencies.”

Even better: If you’re saving for a big purchase or a trip and you have savings in a separate account, you won’t have to do the math in your checking to make sure you have enough to pay for it. You’ll look at the number in your separate savings account and just know. If that’s not a life hack, we don’t know what is.

Consider this trick if you want to compartmentalize your money and make it easier to keep your special funds where they belong — untouched unless you really need them. Hey, Maui isn’t going to pay for itself.

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