Even if you have not already changed your habits, banks may be forcing your hand. Since 2009, the number of bank branches in the U.S. has declined by more than 3,000. It may be time to go with the trend and consider an online bank -- you might get a higher savings account rate or a better deal on a checking account as a result.
Working out and eating right are investments in yourself -- a little sacrifice now so that you feel better later on. The time you spend getting your banking in shape is a similar form of investment -- make the effort now, and watch the results keep paying off over time.