My relationship with money is ALL about psychology. I have all the tips and ideas in my head. Spend less that you earn, save for retirement..blah blah blah (yeah this is what I hear sometimes).
To overcome my psychological issue when it comes to savings I have stared putting the emergency fund into 6 month CDs. Once it grows by a few hundred dollars I open another CD. This may seem impractical, maybe even crazy to some people. I can hear the questions now, why not just leave all the money in a regular savings account? Well, because I will find bills or something else to spend the money on. If I know it is sitting in a CD I will not touch. Am not a psychologist so please do not ask me to explain. Saving for retirement is easy, it is saving for emergencies and short term issues that is my downfall.
The CD solution is the only thing I could come up with.
Am open to suggestions.