Holiday Tips with The Budgetnista: Make Your Money Inconvenient If there's money you DO NOT want to spend this holiday season, make it hard to. Choose an online-only savings account for your savings. Name the account. Keep your checking account at another bank. The transfer process from your checking to your online savings will take at least 24 hours. It makes your money inconvenient and inconvenient money gets saved. #thebudgetnista #fyp #holidaymoneytips #finanicialhelp #thanksgiving #christmas #makeyourmoneyinconvenient #saveyourmoney #saving