Story provided by Lifehacker and written by Kristin Wong – 

We all have trouble saving money. Maybe you want to save more, but your budget is already tight, and every paycheck is spent before it’s even deposited. Maybe you’re working to a goal, like saving for vacation or paying off your credit cards. Whatever the issue, here are some methods and tools that can help sneak more savings into your budget.

Save When You Splurge

Even the best budgeters occasionally give into impulsive spending, whether it’s a gadget that’s on sale or some tchotchke in the checkout line. If you have a serious issue with impulse spending, you should get to the root of the problem and kick the habit. Here’s a trick to help you along the way: every time you give into a splurge, save the same amount you spend.

If you want to buy that new gadget, for example, you’d take the $49 (or whatever amount you splurged) and add that same amount to your savings account. When you’re tempted to spend the money, you know you’ll have to spend twice the price tag, which can be a deterrent. If you buy, you still save money, and if you don’t, you’ve resisted your impulse, which is great. You’ll have more to save later.

This is also useful because it forces you to think twice about your spending, and mindful spending is a good thing. You want to use your own discretion with this method, though. If your finances are stretched way too thin to begin with, for example, it might not be for you. If you’re looking for ways to boost your savings, though, you can try to make your impulsive spending work in your favor.

Direct Deposit Into Your Savings, Transfer Expenses to Your Checking

Make saving money your default when you get paid. One way is to pay yourself first. With this traditional method, you take your direct deposit and automatically make payments into your savings accounts.

However, you can take this advice up a notch and set up your direct depositstraight to your savings. Over at InvestingAnswers, writer Brian Reed suggests:

Have two bank accounts at one bank; a checking and savings account. Set the accounts up so that you can transfer money in between the two accounts. Here’s the kicker, as opposed to having your money first deposited into checking, have it deposited into the savings. Only transfer the amount you have allotted in your budget to spend to checking.

This method works sort of the same way as “pay yourself first,” except that it makes saving your default. It might seem like a pointless strategy—why not just create a savings goal and automate a monthly transfer from your checking account? Sure, that’s one way to go about it. I like this method because it’s focused on saving, though. It prioritizes your savings over your checking account, which can change the way you think about your own priorities and encourage you to keep your money rather than spend any extra.

Save Your Windfalls

When I was paying off my student loan, I created a rule for myself to boost my payoff: any and all windfalls would go toward my goal. Whether it was a tax refund, cash back rewards, or just a $5 bill I found in my couch cushions, I automatically considered any extra money as a “bonus” debt payment.

You can do the same thing with your savings. This requires some discipline; you have to resist spending any “extra” money when it falls into your lap. However, it’s a lot easier to resist spending when you already have a rule for what to do with that money. As money writer J.D. Roth has suggested, you could also set aside five percent of that windfall toward a fun toy, then use the rest toward your goal. Either way, the idea is the same: set some guidelines before you encounter the windfall.