I'm happy to report that I got my federal refund today. It's like winning the lottery - but not really since it's our money that the government held onto all last year since we don't claim the proper deductions on W-2s. So when I saw it post into my checking, I immediately transferred about 90% of it to my savings account. I left the rest because our oil tank is on 1/8th and I need to call them today.
Even though I have easy access to both checking and savings accounts, there's just an element of "don't touch our savings" in my head. The only time I touch savings is when we're about to overdraft on our checking or if I need Keno money. Those both seem like legitimately great reasons to tap into the savings.
So save money - hide your money in secret savings accounts so it seems that you don't have that much. It works for me. Well sometimes.