Use a ‘commitment contract’. This is a way to impose costs on self-control failure.
For example, you sign a contract with a friend or a company and place a financial deposit. You only get your deposit back if you meet certain criteria after an agreed-on period of time. For instance, you need to cut down your smoking to a few cigarettes a day. If you don’t satisfy the criteria, then you lose your deposit.
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Many financial institutions have minimum deposit requirements. In other words, they won't accept your account application unless you deposit a certain amount of money. Some firms won't even allow you to open an account with a sum as small as $1,000.
Some firms do not require minimum deposit...
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