[robex]

We have a freedom account. We have $600 automatically deposited into it on the 15th of each month. The money is meant to cover:
Christmas gifts
2 car insurances
property taxes
house insurance
our yearly vacation.

If we choose to spend more in one category, the extra money has to come from somewhere else. We've done this for 7 years, starting with property tax and one car insurance, and we built it up from there. It works well for us, I don't have to think about the money and it's there when we need it.