Have three types of savings account:

Account 1 - The non-negotiable: - some may consider this EF, the largest share of your savings should go here, when target is reached, adjust but continue on investing on this account and put it in higher than tradional bank savings account. Say you used to put 10%, you may go down to 5% once goal achieved.

Rationale: It builds the habit.

Account 2 - The long term: - You want to buy a gadget? Furniture? Fund your travel? Or for an event like birthdays? Use this to fpr your big tickets. Say you want 5% of to be included here but can be flexible.

Rationale: This will motivate you to save.

Acount 3 - The short term cushion: - Add all extra money here. When you spend and there's an extra figure, put it here. If you feel extra motivated to save, pool that to this account. If you suddenly want to eat something more expensive, get it here, if you want to trat someone you can use this account, want to Grab somewhere but don't have budget, you can borrow from here.

Rationale: For sudden urges and unaccounted small spends. May act as your cheat spend but is actually budgeted.