I'm in a similar but opposite position, I need to pay off quite a bit of debt -- car repairs, fairly generous gifts to my mom earlier this year that helped her teach online, etc -- and then hopefully save before I can move to the UK; hopefully by the end of 2014! I've been considering trying my hand at the online freelancing sites, so will be looking more into that this coming weekend. Hopefully with my move closer to work in Jan, I'll have more time to learn a few more things as well in regards to new coding languages or something.
I'm the creative type as well, and i'd LOVE to have some kind of awesome Etsy-ish self-run business, but if only I could think what kind of thing I'd actually have the urge to market and make.
I like the check/cheque idea. Positive affirmation, might do that tonight actually haha.