Your paycheck should be making pit stops before it hits your account, getting a little smaller with each stop. The priority of these stops, and the amounts saved, will vary based on your current financial life, but the general idea is the same: Automate your savings so you never even have to think about saving anything. Take yourself completely out of the equation — you can’t miss (or spend) what was never there. Self-control is a myth anyway, so just don’t bother with it.

There are many ways to do this, all of which you can do right after reading this: increase your 401(k) contributions by a percentage point today; have your workplace split your paycheck among separate savings accounts; have your investment accounts make automatic withdrawals the day your paycheck hits your account; increase your automatic contribution to your Health Savings Account; or set up or increase recurring transfers from your checking account to your savings account.

Whatever your savings needs are, the point is to make them automatic. Again, you can’t miss (or spend) what was never there. Stop budgeting to save X amount each month, and just have that amount removed from the equation.

If you’re just starting out, balance paying down high-interest debt (generally anything with an interest rate above 5 or 6 percent) with saving for your emergency fund (if you haven’t established this yet, aim to build your savings to $1,000 or the equivalent of one month’s expenses, whichever is more). Paying off high-interest debt offers a bigger return on your money than almost anything else you can do, and having a cushion of savings is crucial for all of the events you can’t predict.

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If you’re a little further along, you have lots of options. As an example, here are the five stops my money automatically makes: 401(k); then H.S.A.; then emergency/medium-term savings; then my investment account; and, finally, short-term savings/spending (think monthly expenses). Whatever’s left is what I get to spend. I hit 100 percent of my savings goals, and I don’t have to think about it once.

Decrease your mindless spending

Just like cutting back on lattes, this a regular piece of advice we hear about all the time — but this one is a little more grounded in reality.