i thought about that but...oh I would notice, I play with my money too much I am always shuffling money around so I do not pay any interest, the only thing I have paid interest on was this truck and that was around 4% of which I cut the loan time in half. my income is very complex it's been stagnant for several months, spending plus income = 0 which is fine since I keep a balance it's the surprise income that bumps the balance up from time to time, with my ebay business I get paid daily not by the hour or salary, what might work is taking a smaller amount out weekly and hiding it somehow otherwise it will be poking me in the eye and become another source of money to play with lol.