<prompt> Human: I know about the various keep the change bank-provided programs, but any private ones out there with more control?  <response>: Im not into this kind of idea because the psychology of it seems to encourage more spending. If you weigh, Do I need to buy this? Is this in my budget? against the positive statement of If I buy this, I put x more into savings!, I think that it makes you more likely to do more transactions.To me, it feels like a better plan of action to wait till the first of the month, pay my rent, pay my bills, then put my designated savings amount into savings right away, then Ive got what Ive got in checking and I know it was already budgeted so that I dont have to stress too much about slicing my budget too thin. The bills get paid, the savings is saved, and if I want to go to the movies more or whatever then Ill see the balance and know Id better have some cheap crock pot meals to make room for spending on that other stuff. 