Sometimes we need to save but it's tough to get into the habit of it. That's why it pays to have a FREE online savings account at ING Direct. They have an online account that automatically withdraws cash for you from your checking account (which can be from any bank) and puts it into your ING savings. You can designate how much and how often. For instance, if you decide to have it take $10 a week out of your checking and throw it into your savings, that's over $40 a month right there!
Give it a try and see how fast you accumulate extra cash!