Our ef goes straight to a different savings acct at a different bank. It takes 3 days to transfer so there's a cooling off period. We also have budgets for things like.clothes, school activities, car repair, vacation, xmas, etc and we total that up and divide it by paychecks. We then deposit that amount into a separate checking with am atm card. I take $ out of that only if it can be subtracted from a budget. I then have envelopes for things.like groceries, out to eat, extras. We try never to touch the bill account for anything. It has just enough to cover bills and that's it.
Last edited by ulawolf; 01-07-2013 at 10:41 AM.