There's something like that (though on a different timescale) called Christmas Club accounts. You can deposit money but you can't take it out until December.

There's something like that (though on a different timescale) called Christmas Club accounts. You can deposit money but you can't take it out until December. I understand it was quite popular in the 70s. The idea is to force yourself to save enough for holiday shopping. I'm totally fascinated by commitment devices like that. I've been compiling a list of them here: http://padm.us/akrasia http://padm.us/akrasia The "getting a mortgage to force yourself to save" was actually the first example I thought of, from when this topic came up a year ago.