“I Save, But Somehow It’s Always Gone by Month-End…”
If this sounds familiar, it’s time to build a habit that actually works:
Creating a ‘No-Touch’ account—a separate bank account that you don’t spend from at all.
It’s the simplest way to protect your savings from yourself.
Let’s explore how this works—and how Vizzve Finance makes it effortless.
🧠 What Is a ‘No-Touch’ Account?
A No-Touch Account is a dedicated savings account that you don’t link to UPI, don’t carry the ATM card for, and never use for daily expenses.
It’s not about hiding your money…
It’s about protecting it from impulse, stress, or lifestyle creep.
🚫 Why Your Main Account Isn’t Safe for Saving
💳 You swipe without thinking
📲 Every UPI app is linked
🎁 You dip into savings for treats, gifts, or peer pressure
💸 You don’t realize how much is leaking out
That’s why saving in your main salary account almost never works.
Benefits of a No-Touch Account
1. 💰 Builds True Discipline
Out of sight = out of mind = real savings.
2. 🔄 Automates Good Habits
Auto-transfer a fixed amount monthly or weekly.
Treat savings like a non-negotiable bill.
3. 🚨 Protects You During Emergencies
When layoffs, medical costs, or rent hikes come—your No-Touch fund is ready.
4. 🧠 Reduces Emotional Spending
You won’t “accidentally” spend what you can’t instantly see.
How to Set Up a No-Touch Account
Open a separate savings account (preferably in a different bank)
Don’t link UPI or debit card
Set up automatic transfers from your main account
Nickname it in your bank app: “Do Not Touch” or “Emergency Only”
How Vizzve Makes It Even Smarter
🔁 Auto-Save Tools
Vizzve lets you automate saving rules—like transferring money every payday to your No-Touch account.
📊 Visual Savings Goals
Track your growing emergency or sabbatical fund through interactive goals and milestone alerts.
🔒 Lock-in Nudges
Optional “soft lock” reminders so you avoid touching the fund unless it’s truly urgent.
FAQs
Q1: How much should I keep in a No-Touch account?
Start with 10–20% of your income. Eventually, aim for 3–6 months of expenses.
Q2: Is it the same as an emergency fund?
It can be. But you can also use No-Touch accounts for vacations, big purchases, or retirement prep.
Q3: What if I need the money urgently?
You’ll still have access—this isn’t a fixed deposit.
It’s just psychological protection for your long-term wealth.
Final Word
“Your future self will thank you for the money you didn’t touch today.”
Don’t let impulse spending sabotage your savings.
Create a No-Touch Account today—and let Vizzve Finance help you automate, grow, and protect it.
Published on : 8th July
Published by : SMITA
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