I have a second bank account and have an automatic payment towards it every time I get a paycheck. Often times I forget about it, so when I go to check how much I have available, I'll see 20% less than what I really have. This helps me manage my money and makes it far more of a hassle to spend...
In college and debt free! Free ride to school and work enough hours to pay of my cards and car every month.
Ok, let me clarify - I'm financing my car, but with 0% - I have the cash sitting and collecting interest as I'm paying it off.