At the moment, I do need access to my savings as if I don't, I'm screwed in the event of a shortfall, so perhaps another savings account that I CANT touch would be desirable, although I would probably begin with just smaller savings.
The CU account is only a new thing the last couple of months, and the reason I havne't increased that for the moment, is because I had some expenses over November/December and I didn't want to leave myself short of money.
I do have a credit card, which I do seem to use quite a lot, although in recent months [apart from Xmas] I have reduced my spending on it - frivolous clothes/shoes etc have reduced a lot! My credit card is paid 100% direct debit each month, so that I am not paying any interest.
My bank car loan will be paid off mid summer so I will have an extra €270 each month which I will put into savings each month as I will be used to allowing for that money each month.