Convenience is great, and most banks now allow you to access your funds 24/7 — whether via a telephone call, a smartphone app or a web page. Because the best way to save money is to make it hard to spend, put up some barriers between yourself and your money.
One option is to open an account in a bank all the way across town. This way, you have to drive to the bank to get your funds. If you have to work hard to get your money, it can help dissuade you from spending that money on frivolous purchases.