2. Decrease mindless spending
3.Save in an online bank account
1. Automate saving so you don't have to think about it. Pay yourself first with regular automated saving from your paycheck. It's so easy to do these days with electronic banking.
"Automate your savings so you never even have to think about saving anything. Take yourself completely out of the equation — you can’t miss (or spend) what was never there. Self-control is a myth anyway, so just don’t bother with it." writes Tim Herrera in The New York Times Smarter Living newsletter. Every Monday, S.L. editor Tim Herrera emails readers with tips and advice for living a better, more fulfilling life. Sign up here to get it in your inbox.
2. "As more of the services we regularly use become subscription-based — especially given the flood of streaming TV services — it’s more than worth your time to prune your subscriptions. One analysis by the online budget tool Mint found that in 2019, we each spent $640 on digital subscriptions."
Instructions to find and cut your subscriptions on many devices and services can be found here, but also go through your bank account and look for recurring expenses.
3. Switch to a high-yield savings account
Put compound interest to work for you. Most savings accounts pay a pathetically low yield. Switch to an online bank, many paying 1.6% interest or more and automate your savings from every paycheck into this account. Search online for online banks with high rates. 
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