It’s easy to set a goal to save a certain amount of money for emergencies, travel or other purposes. But actually saving the money and reaching that goal is significantly more challenging. There always seems to be something else that needs your attention and funds. But successful savers know the trick to reaching their savings goals is to make saving automatic. When you automate your savings, you don’t need to give it a second thought. Meanwhile, your savings balance grows. Let’s look at ways to automate your savings.

Set Up Direct Deposit

You probably already receive your paycheck via direct deposit to you checking account. But did you know many employers offer the option of splitting your direct deposit into more than once account? Choosing an amount to go directly into a savings account is one of the simplest ways to build your savings. Because you never see the money before it hits your savings account, you can’t decide to use it for other things.

If you’re unable to split your direct deposit, set up an automatic transfer from your checking to your savings with your bank or credit union for the day after payday to essentially do the same thing.

Use a Savings App

There are a host of apps that will save money for you automatically by transferring funds from your checking to your savings. They all function slightly differently. For example, Digit analyzes your spending patterns and makes daily transfers of funds between account based on your anticipated activity. Qapital allows you to make the rules that trigger a savings transfer — like transferring money into savings each time you order food delivery or buy a coffee. There are many more savings apps to choose from and you’re sure to find one that meshes well with your spending style and savings goals.

Use a Cashback Card

Many people develop a successful savings habit by using a cashback card to make daily purchases, then transferring the cash they receive into a dedicated savings account. But this strategy does involve some discipline and willpower. For this to be an effective way to build savings, you need to control your spending on the cashback card and pay off the balance in full each month so you’re not paying interest. Otherwise, you’re negating any benefits you receive from getting cash back and run the risk of falling into a cycle of high-interest debt.

Round Up Your Purchases

Many banks and credit unions give customers the option to round up their debt card purchases to the nearest dollar and have the amount transferred into savings. For example, if your morning coffee order comes to $5.12, you’d end with .88 cents deposited into savings. Since you’re only saving small amounts at a time you probably don’t want to use this as your only method of building savings. But it’s an easy, painless and convenient way to get yourself into the automatic savings habit. And any saving is good saving — even just a few dollars a day.

Participate in Employer Plans

If you have the option to save money through an employer-supported retirement or health savings account (HSA) plan, you should definitely take advantage of them. Retirement plans like a 401(k) allow you to save pre-tax money for your retirement and in most cases, employers offer matching funds up to a certain percentage.

Health Savings Accounts allow you to save pre-tax funds to pay for medical, dental and mental health services, medications and other qualified healthcare costs.

Both these automated savings options provide peace of mind that two major savings categories — retirement and healthcare — are on autopilot.