There is a way to strangle the money flow without breaking IRS rules!
Change your W-4s to have as little as possible taken out of your check by increasing your dependents and checking mortgage deductions and other such choices on your W-4.
Most taxpayers send in more than they need to get money back at tax time. Reverse the process and send in as little as possible and put the extra cash you get in savings.
For more tips to help Starve the Beast check this FR Thread: Starve the Beast!
I think that is a great idea.