<prompt> Human: After buying an apartment, home furnishings and a new car, Ive been struggling to get my savings back up. This has led to some new thoughts.For example, one day I changed my Internet plan and the bank reduced some ongoing fees for an annual saving of 300. But at the end of that year, my savings account hadnt increased with that 300. I saved money, but it didnt go to savings. I took 300 from Internet and Bank fees and reallocated it to other stuff.Light bulb moment: __If I dont move a saving to savings, them Im reallocating and not saving.__So I now plan on trying to move a saving to a savings account.Note, this applies to a saving achieved by reducing current expenditure. If an item costs 100 and I buy it at 50, then thats not the type of saving Im talking about. Of course, one can add to savings like that, but I mean when I find a way to reduce expenditure, if I dont place that saving in savings, I havent actually saved a penny, all I have done is reallocated.  <response>: are you budgeting? rynab because with little cuts and saves it makes a real bump to my savings rate. 