For example, when you make your last payment on your car loan, instead of going out and spending that payment on something else the next month, simply pay the amount to your special account. Since you have already been paying this amount each month, you should be able to continue doing so with little pain to your normal spending habits.
Pay to Use Game
This is a wonderful game to play that will help ensure that you never have to pay for a major replacement purchase on credit again. After purchasing something, most people rarely think about the cost to use that item except maybe for the amount of energy it consumes. For example, you probably don't think about the cost of buying your washing machine or dryer each time you use them even though there will eventually be a cost to replace each. By implementing a pay to use game to use these appliances, you ensure that when any does need to be replaced, you have the money to do so.
For example, every time you do a load of laundry you pay $2, every time you use the TV you pay $1 and every time you drive the car you pay five dollars. You chose the amount, and pay it each time you use the specific appliance.
One of the great benefits of this game is that not only will you save the needed money for replacements, you'll also greatly reduce the amount you previously wasted using them. There's something about having to physically pay each time that will make you stop for that split second to evaluate whether you have a full load of laundry, whether the TV program is worth a dollar or whether you need to drive the car or can combine a trip with another trip the next day.