<prompt> Human: Personally for me I spend more money when I know I have it ; for example if I make 1000 and I keep 800 in my checking account and save 200 ; Ill spend a larger portion of that 800 of bc mentally I know i have the spending money which is bad. So what Ive started doing is putting that 800 in my savings and 200 in my checking I monitor it and spend less because I know its less in my checking account which ultimately leads to me spending less. Idk this works for me this is just what I do to save more and spend less Im open to advice though  <response>: IMHO, I feel like you need to get down to the root of why you are spending such a large portion of the money you make when you have the ability to save a lot of it from what I gathered from your small post. Spend less than you make. Even better, put all of your purchases on a credit card and pay your statement in full each month. Earn rewards and protections this way. 