A formula for saving

[taiarain]

Many companies with direct deposit will allow you to split the deposit between two accounts. It depends on who they're using for their payroll processing.

The pay yourself thing refers to savings. In paying yourself first, the first 'bill' you pay is a savings account deposit. It's not a grab some money to blow sort of thing.

[nehaasen]

It would be best if you could have a specific amount deducted from your check and automatically put into your savings account, if your company does that kind of thing.