I set-up automatic transfers with my ING savings account, and they go to 2 sub-accounts.

Emergency Fund:

Every weekday (Monday thru Friday), $1.00 is automatically taken from our checking account to our ING Emergency Fund sub-account. These are set-up as weekly transfers for each weekday.

Savings per week: $5.00
Savings per year: $260.00

Car Insurance Fund:

Just like the Emergency Fund sub-account but $2.00 per weekday. This money goes into our Car Insurance Fund sub-account and is saved up to pay our car insurance, which also saves us money. This way, we have the full amount for our next 6 months of car insurance ready to go. If we have more than we need in this account, we can always transfer it over to our Emergency Fund or another of our ING accounts. If our rates ever increase, I can adjust the daily transfers accordingly.

Savings per week: $10.00
Savings per year: $520.00

This isn’t the only saving we do, just one of the ways we save. We didn’t start out transferring a total of $3.00 each weekday, and you don’t have to either. You could start out by doing 1 weekly transfer of $1.00 or whatever you can afford.

Or, you could do the weekly transfers for every weekday as well with a dime a day, or quarter a day—whatever works for you. Then, after you get used to it, you can always increase it. This is one of my favorite ways to save money, and has become effortless and unnoticeable for us.

Do you do something similar with your saving?
If so, how much are you able to save?