[robex]

We use the automatic withdrawal system. We don't see the money, so we don't spend it. Anytime DH receives a raise, I use that money to up our RRSP contributions (also automatic withdrawal) or to increase out mortgage payments (also automatically withdrawn). We have plenty of money for all our needs, and the peace of mind of having money for retirement and no house payment is great. We've been doing this method for 12 years, and believe it's what allowed DH to quit his job, take four months off, and be able to choose to now only work part time.