Check the account on a schedule, not a mood

People check their accounts less when things look bad. In a large study of retirement savings accounts, logins dropped by 9.5 per cent after the market fell. Evidence: decent Check when you feel like it and you'll look least when it matters most.

A fixed time takes the feeling out of the decision. Same idea as three checks a day for the phone: the calendar decides, not the mood. Nobody has tested this on bank accounts. The evidence is from investment logins. Evidence: worth trying

In between, you don't have to keep half-thinking about it. You know when you'll look.