Let’s face it: Sometimes it’s a lot easier to talk or read about saving money than it is to actually build up your savings account balance. Between unexpected expenses or extra splurges, it can be easy to be get off track. Fortunately, you can turn it around! These 5 personal finance hacks will help you supercharge your savings, whether you’re building up your emergency fund, saving for a big purchase, or just trying to be better about sticking to your budget.

1. Set the stage for success.

First things first: if you don’t already have a dedicated savings account, set one up right away. Putting your savings into a separate account can help you avoid the temptation of borrowing “just a little” for day-to-day expenses, which can add up quickly.

You may even choose to have multiple savings accounts for different savings goals – for example, one account for your emergency fund and a second account to save up for a down payment on a home.

2. Put it on auto-pilot.

One of the best and easiest ways to get into the habit of saving regularly is automate your savings. For example, you can set up a direct deposit to have a set amount from each paycheck deposited straight into your dedicated savings account. Another option is to set up a recurring transfer with your financial institution, where you move a fixed amount (like $50 or $100) from your checking account into your savings account each month.

These set-it-and-forget-it options make saving simple – and you’ll hardly even notice the money missing from your checking account!

3. Just say no to fees.

Take some time to do a thorough review of your financial accounts and the services you use. Does your bank charge you a small monthly fee for your checking account? Switch to institution that offers fee-free accounts, like the Frontwave Primary Checking account. Then direct what you were paying in fees to your savings account instead. Even saving just $2-3 a month really adds up after a while!

The same goes for credit cards. Are you paying an annual fee to get certain benefits, like rewards? Shop around to see if there’s a comparable card with a lower or no annual fee. For example, the Frontwave Visa® Rewards Credit Card offers points with every purchase, which you can redeem for everything from merchandise and travel, to gift cards and cash back – all with no annual fee.

Avoid late fees, too, by setting up automatic payments for as many bills as you can. It’s easy to do with most online banking platforms, including the Frontwave mobile app.

4. Go green and save some green.

Buying secondhand items is a great way to save some cash, all while helping the environment. There are lots of options for buying used – from thrift shops and yard sales, to online platforms like ThredUp and eBay. Go full cycle by not only buying used, but also selling your own gently used items instead of throwing them away. Stash the money you earn in your savings account and watch it grow!

5. Limit online shopping temptation.

We’ve all been there – you’re about to make an impulse buy online and realize you have to get up to go get your wallet. Suddenly that “must have” item seems a little less “must have.” Force yourself to take that pause with every online purchase by deleting any saved payment information you have from stores you frequent. Having to enter your full credit or debit card number for each purchase will give you time to consider whether the purchase is truly necessary – and whether you might be able to save by shopping around.

Ready to take your savings to the next level?

Be sure to check out how to make the most of your retirement plan and boost the amount of interest you earn.