In a world where technology has made it easy to shop or spend,I think the most effective way to save is to remove the choice entirely. Treat your savings like a non-negotiable bill, set up a standing order that moves a specific amount to a separate savings account the same day your income arrives.
Out of Sight, Out of Mind: Use a high-yield savings account at a different bank than your primary one. If you don’t see the balance every time you check your checking account, you’re less likely to “borrow” from it.
My take