Good for you. I've found that having ING accounts has a similar effect for me. Instead of having a significant amount all piled into one savings account giving me the sense of "I have money! Let's spend!" unless I look at my handy dandy spreadsheet where things are split up into various important long-term categories, everything is split up already and I can see that really the "I can spend this!" category isn't as big as I thought.KrissyLou
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