Use your primary savings account to save for the things that you need and want such as: a car, computer, house, home repairs, health costs, car repairs, college, etc. Set up a payroll deduction to your savings account each payday and the money will be deposited automatically before your paycheck is cut or direct deposited. This is the easiest way to save because if you don’t see the money in your paycheck, you won’t miss it. In the meantime, your nest egg is growing on a regular basis. Before you know it, you’ll have enough saved to purchase or put a down payment on the items you need and want.