When you know you are a "spender" (you have my sympathy, both DH and I are, too!), sometimes the best thing to do is to 'trick' yourself.
I agree that (a) is the best solution because in today's economy, not having a sufficient emergency fund is VERY dangerous. So do this:
- Open a 6 month CD, off-site. This way, it's available in an emergency but will take a few days to receive. Even that small delay is useful in getting you into the "out of sight, out of mind (and removing the temptation to spend)".
You can go to bankaholic.com and see the rates for 6 mo. CDs (or any length you want), and they give the rating for the bank as well, since you'll want a good solid bank. FDIC insurance will cover your amount, of course, but a few banks are still weak and it can take some time to get your money out of a bank that has been taken over by the regulators.http://cdrates.bankaholic.com/