Savings is very important in achieving financial stability. I have a friend who does a job that pays just little but if you see the kind of assets he has you would be amazed. He told me that he acquired majority of them through discipline in savings.
I always advise people to have two accounts or even more, that of your savings should be different and don't even collect a debit card on that account. Just keep saving and you would be amazed at what you have saved by the end of the day.
On hive, anytime I have a project and I am scared I will spend the money, I save using the HBD lock up feature. Anytime I come to withdraw and I see that 3 days withdrawal duration, I get discouraged and look for another alternative. I think we can apply that principal even to our centralized saving accounts
Thanks so much for your kind comment