Create a hard to reach saving account Along with a savings account, try opening a separate savings account that isn't linked to a checking account. So that the account is not accessible even through an ATM. The only way to access that amount is bank. This would be a milestone for you to cross to get the cash in hand. Short-term certificates of deposit encourage you to keep your money in the account until a maturity date, are helpful for the same reason. Because your cash won't be as easy to access, it'll be relatively safe from any impulse spending.