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My only trick is to make sure whatever you are going to put away for savings, do it before it ever gets to you. I have that all automatically set up. Once you start getting that money, even if it isn’t that much, it’s surprising how quickly you’ll get used to it being there!
Nothing and it's terrible but I'm working on it. I used to be a stickler for not buying unnecessary things. However the ways of those around me creeped in. It's difficult not to spend spend spend for your child when your sister does for theirs and your mother buys it if you don't/wont. Expensive clothes, jewelry, trips. I just put brakes on it all this month and it's amazing how much money I have sitting in the account when I'm being intentional with money.
HYSA-High yield savings account is the best option.
Rising Star
Not as much as I should to be honest but at least it’s something !!!