Have a family member set up an account at a bank that doesn't have your name on it. When you get your tax return back or the occasional extra money, have them deposit it there. When you need money, you have to justify why you need it, I.e. vacation, emergency, etc. It really works and is a great way to save up for those things or even for holiday shopping. While one may not want to justify their spending habits, it is a great way for you to be able to save for amazing things.