ACP Certified Member Keith Spencer was quoted in NerdWallet on 'How to Set and Vet Money Goals Midyear', sharing how opening a separate savings account for each specific goal can help: “Whether it’s saving for a home improvement, vacation or wanting to pay off the mortgage sooner, I find it helpful to set up a dedicated account for that so it’s more tangible."
https://www.nerdwallet.com/article/finance/how-to-set-and-vet-money-goals-midyear