We save money each fortnight when we are paid. We save in two different ways. We have a set amount that goes into our savings account and we also pay a set amount extra into a loan. This loan has a re-draw facility, so we could access the money if we needed to, but we don't tend to. That being said, I like knowing that we have a large amount of money (well to us anyway) available at the drop of a hat that we aren't tempted to spend on a daily basis.