Do you have multiple accounts with the same bank? Most banks will allow you to link savings and checking accounts so you can transfer money from one to the other; all it takes is a quick click of a mouse. Linking your accounts will not only help you keep track of your finances, but it could also help you stick to a budget. Certain banks allow you to open multiple savings accounts, for example, and each one can serve as a way to save for big-ticket items like a car, school tuition or even end-of-the-year holiday gifts. And since the transfers aren't instantaneous, you aren't likely to use the money for impulse purchases, either [source: Burt].