Financial planners often dole out smart advice for free
at different banks or even the same one, as long as they're not lumped together with your spending money. After separate accounts are set up, decide how much you can afford to contribute monthly to each goal and set up auto deposit. If it helps, think ofRosa said he likes bucketing because it makes tracking savings progress even easier. "This also helps with the motivational aspect of staying the course," Rosa said.
"I always refer to it as 'lifestyle creep' because one of the big things that people can do — that's an advantage to them — is keep their fixed expenses somewhat stable and reasonable for what they make," Katie Brewer, a Dallas-based certified financial planner and founder of
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