With wages down and cost of goods up, it’s not easy to save. After years of savings rates close to zero however, Americans are getting smart about their money again: even though the economy is still in a rough spot, we’re saving an average of 6.4%, according to June data from the U.S. Commerce Department. Not bad, but if you’re like most people, you would probably like to do better. Here are five ways to trick yourself into saving more.