I am another one who pays for everything fortnightly as I am bad at having money in the bank, I just spend it. I treat savings like I treat my bills, it gets put away at the start of the fortnight, the same day that the pay goes into the bank- I BPAY a set amount onto all of my bills fortnightly, put some money into savings and then some money into our christmas account. I only shop once a fortnight, and this has cut down my spending heaps, it limits the amount of times I go to the shop and stops that extra little thing here and there that add up. DH and I also get play money, this is money that we can spend on whatever we want, coffee, lunch, books, etc without having to justify it to the other.
I think in terms of savings you have to look at it like another bill, pay it first not try and make sure you have some left over at the end IYKWIM
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