Car repairs, gifts, the move-out fund: give each one a jar and a goal, and update it when money moves. Watching a jar fill is the cheapest motivation there is.
All jars together
$0 of $500
0% there
Jars are the sinking funds idea made visible: every predictable “surprise” gets its own goal, so one bill never wrecks a month. Update the saved amounts whenever you move money; this page remembers them on this device.