Urge | The Power of Small Change
Save money by resisting the Urge to Splurge. Urge is the Power of Small Change.
This is an iphone app (link to app store) that lets you transfer between your accounts when you resist spending urges programmatically.
Basically you can say “I am not going to get starbucks today” and then transfer that money instead to a savings account or your “cruise savings fund”.