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Put the money in something other than a checking account. Something that is harder to get the money out of, like a savings account. Most savings accounts only let you write like three checks a month towards it, and since you wont have an ATM card or anything like that to get at it, you will only be able to take it out when you need it--like for paying that insurance.
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"Good people do not need laws to tell them to act responsibly, while bad people will find a way around the laws."
--Plato
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