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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Ah.  Setup automatic transfers, OP.  That way the money isn't there to spend in the first place![/quote]

This. I'm a big advocate of having Bills and Emergencies money on a completely different debit card than the Groceries and Going Out money. It really simplifies your budgeting.[/quote]

Right now I have one checking account and one savings account that are connected to each other. That is one more account than I am comfortable having. So I am definitely hesitant to go opening a third account. My bills have to be paid out of my checking account. And my ATM card is connected to the checking account. [/quote]

Why is more than one account uncomfortable?  I have several, plus investment accounts, and there's no downside. [/quote]

Because I've got a lot of learning disabilities and one of the things I do to work around them is to keep things as simple as possible. The less to keep track of the better. The fewer things to remember, the better. I'm not an impulsive shopper, and have no problem at all with being told something like "each time you get a paycheck, immediately move $700 of that to the savings account" or whatever. That's one instruction, it's simple, I understand when to do it, I understand how to do it. If I had several savings accounts I'd be forever screwing up which one is for which purpose.[/quote]

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