Creative ways to save money today

2. Divide up your paycheck
Ask your company's human resources department to divide up each of your paychecks between your savings and checking accounts. Set a specific percentage to automatically deposit into your savings so you're less inclined to touch it while out at the bar. Another bonus: Interest rates are generally higher for savings accounts than they are for checking.

3. Set goals with a budget-tracking app
Set a goal — "Pay off credit card debt!" — and then come up with an actionable, realistic plan for achieving it (and then stick to the plan!). Try out finance-tracking apps like BUDGT, Learnvest, or Mint, which offer a visual barometers of specific goals.

4. Check on your account
Make like the Sherlock Holmes of your bank account and regularly scour for funny-looking charges. Staying on top of your current balance and past purchases allows you to spot errors as well as areas of spending that can be cut back (Do you really need take-out three days a week?).

5. Use ATMs sparingly
Be smart about ATM trips. Withdraw a chunk of money every couple weeks and stash it at home. That way you won't be forced to hit up a non-affiliated bank (and get whacked by ATM fees). Paying with cash will also feel more "real" than using a plastic card. Try withdrawing a set amount each week and sticking to it. To stay organized, you can divide up cash into actual envelopes — not just an app — with categories like "food," "rent," and "fun." When an envelope goes empty, it's time to stop spending in that section (or swap funds from another one).

6. Plan withdrawals
If you find yourself needing to use ATMs more frequently, plan each ATM visit carefully to avoid fees. When it's time to take out cash, make sure you have time to get to your bank (unless it doesn't charge ATM fees) or go to a supermarket or convenience store that offers cash back with debit purchases.

For all 94 creative ways to save money today, including tips on all the categories below, go to Greatist.com: