5 Moments You're Most Likely to Overspend

It's hard to resist the $50 cash bonus for opening an extra account or starting a "fun" fund to get you through those slogging winter months, but a May 2013 study found that people tend to save more when they have just one place to deposit money. That's because they have a better knowledge of how much is there—and how much they're spending, researchers say. When our income is spread across a few places, we can easily justify a purchase by thinking, "Oh, but I have money in that other account, too."