Daniel,

I would suggest that you use the second savings account and it would help with 
the over spending.

I think it would look something like this, please forgive formatting as I'm on 
mobile, but you should get the idea.

Checking debit 10k / salary credit 10k

Credit checking 1k / debit savings2 1k

Credit savings2 500 / debit vacationfund [subaccount] 500

Credit savings2 500 / debit toyfund [subaccount] 500

Need money back in checking to spend?

Debit savings2 300 / credit vacationfund 100 credit toyfund 200

Credit savings2 300 / debit checking 300

Your roll up of savings 2 in the accounts list will tell you the amount which 
should match the savings statement. There should also, in theory, be a very few 
transactions to reconcile, and it keeps the checking account clean.

Alan
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