A couple ideas for saving and money management…
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user ability to define carry forward balances (so, the ability to specify a day, week, month timeframe upon which any balance in one account will be moved into another account).
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the option set an amount to top up an account to (so the ability to specify a day, week, month timeframe upon which one account will be topped up to a specific value from another account - pocket money/allowance setting if you will)
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a type of savings account that forces a delay on withdrawals (a week? 72 hours? User defined - only able to amend every 30/60/90 days?)