Seems like it was just a couple months ago we paid the auto insurance, yet here it is time to pay them again.  We started paying it 6 months at a time to get a break on the financing.  It may only be $20 or $30, but it's money that we'll keep.  I think the hardest part isn't coming up with the first payment, at least not since we moved to Virginia and cut our insurance by 60%, but it's making sure to pay that monthly payment to the savings account every month so that we have it for the next six-month payment.  One day, it'll be easier.