Let's help you save money with the help of an app and a service you can download on your phone or use on your desktop that will do a lot of the work for you.
A financial expert told me about Digit and I've used it now for more than a year. It has helped me save toward buying a home and paying off some debt. Digit tracks your spending habits and automatically pulls money from your checking account when it's safe to do so.
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Now, there are some drawbacks, there is a $2.99 per month fee after 100 days and even with periodic cashback rewards, it may turn some people away.
Basically, you're paying for a service that analyzes your checking account and knows how much of your income can be put toward a savings goal.
Another service that received great reviews is SmartyPig.
SmartyPig does not have an annual fee, you do accrue interest, but unlike Digit, you have to manually set up recurring withdraws from a checking account.
But it's nice because you can set it and forget it. One downside, when you want to pull money out it will take several days.
Both of these let you set goals, and if you leave them alone, reach those goals. Digit and SmartyPig are also FDIC insured.