Does anyone use Mint? I love that. It loads all my accounts in real time. It seems like I have done nothing this year in terms of savings but my net worth this year has gone up substantially. (most of that is increase in the value of my home).

I am trying to have the cash on hand to pay off my home. That is my goal.

I have set up my account so money goes directly into my savings account every month and also directly into my retirement account. The only thing that goes into the expense account is what I estimate I will need for expenses.

What kind of savings account do you have? I have a high yield savings account.