Set it Aside: Make sure that your account for your Emergency Fund is not connected to the ATM card you usually use. This money is only to be used when all other resources are exhausted. For example: open this account at a brick-and-mortar credit union or bank that isn’t where you have your regular accounts or open up an account online so you won’t be tempted to touch it. Create Work-Arounds: Everyone has weaknesses. It’s important that you are aware of yours so that you can create ways to avoid your challenges. For example: don’t get an ATM card for your Emergency Fund account. If you want the money you’ll have to go down to the credit union, stand in line, fill out a withdrawal slip, take money out from a teller. Going through all the extra effort might be enough to dissuade you from spending the money on frivolities.