I already have an ING account where I have the bulk of my savings. With Christmas coming and going and having extra expenses that I didn't really account for, I am going to be more careful to save for next year.
I opened two accounts for a "Vacation Account" and a "Gift Account".

As I mentioned in a previous blog, I would really love for my fiance and I to take a nice trip every 2 years or so. Heck, maybe even more often than that. I rigged my ING account so that it will transfer $50 a pay into this account just for vacation savings.

I also opened up a "Gift Account". Starting next year, I would really love to be able to send my siblings and nieces and nephews gift cards on their birthdays. This saved money can also go towards Christmas.

I find that putting money directly into my ING account helps me a lot - because I don't even really see it in my paycheck. My spending money goes into my bank of america account and the rest (savings) goes to the ing account. I just hope I can keep up with saving that extra amount each month...I might have to tweak this amount to make sure I have enough for groceries and other necessities. Either way, I am happy that I am committing to saving a bit more!