We’ve all had moments in our lives where we are mindlessly saving or just aren’t sure what to save for. Following our article on the best savings accounts for working adults, we need to consider the type of saving accounts we should be opening and what to use them for!   Expenses Short term expenses When deciding on your expenses you would want to set aside one for your day-to-day spending. With money in your bank, you would be able to withdraw it as and when you want and not have to worry about leaving your cash at home. The important factor when picking an account is to identify to most convenient and readily available bank out there. An ideal choice would be OCBC, there is an appropriate number of OCBC banks around the island and there are usually little or no queues! Long-term goals Another expense you should consider setting ......