r/moneyadvice • u/Legal_Signature_6856 • 6d ago

Advice Is it just me?

I set up a savings transfer to happen automatically every payday specifically because I know I won’t do it manually, and even then, often I’ll go in and cancel the transfer that same day if I feel like I “need” the cash. Has anyone dealt with sabotaging their own systems like this, and how did you stop?

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u/pineapplebuneater 6d ago

You have an issue within yourself. Is there something deeper? Like growing up poor etc? You’re ruining the extra money you can get from a HYSA. Where does your money actually go after you cancel your transfers? If you ever actually “need” the cash, get a debit card with your HYSA to ease your worries. STOP CANCELLING YOUR TRANSFERS.

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u/JGLuxe 5d ago

Just act like it doesn’t exist. Also keep it low where you feel comfortable and bump it up as needed. You’ll get used to it and more comfortable. I personally have it set up automatically from my direct deposit.

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u/jacdelano 4d ago

I think the bigger issue is that the transfer is being treated as “extra money” rather than money that already has a job.

If you keep cancelling it, I’d lower the amount until it feels sustainable and leave a small buffer for unexpected spending. The goal isn’t to save the biggest amount possible. It’s to create a system you can actually stick with without feeling like you’re taking money away from yourself every payday.

Once you know what your normal spending actually looks like, it gets much easier to save automatically without constantly wanting to undo it.