So what you guys are pretty much saying is "I want a piggybank/rainy-day jar to keep my money in.", correct? (Gave me an idea of a Golem, but instead of days and generating something; you build it, deposit your silver/gold into it, and break it when you feel you should use that money -- and to break it, you might need to 'chant' some keyword, or something along that line, that you've set beforehand.)

Personally, I don't have much trouble with saving money, main reason being I barely spend it to being with, but I can see where you guys are coming from, cuz I've done this stuff before (where I bought stuff just cuz I could).