[cferneyh]

Hello out there,

I am trying to save some money for a vacation. First the good:
I have a budget, I have a plan.

The Bad: I can't seem to stop spending. I am not disciplined. As much as I can afford to save money, I need to put it somewhere where I cannot spend it.

I have tried opening an account at a bank I don't use, but I keep going back, I have tried setting up an account separate from my other accounts.

I have tried using ING but that didn't work either.

Is there a way I can "put money away" for 6 months, and withdrawl it without penatly?

How do you save your money for short term goals?

What about giving a friend or family member the money to hold on to you until it comes time to pay for the vacation?