I have these bank accounts: Checking A - Main household income Checking B - Wife's fun money goes here Savings 1 - Used for emergencies and large purchases Savings 2 - Children's savings Here's the details how money gets spent: - Money should go into Checking B and both savings each month. - All the transactions are at the same bank and will be transfers, since they are automatic - Checking B will have money go in and go out each month (depending on how much scrapbooking my wife has to do!) - Savings 1 will grow each month and then get used for things like new care tires or repairing a fridge that breaks. - Savings 2 won't be spent, money only goes into it. Rather than explain what I think, I'll ask questions. - Should there be a single wife bucket, where all flows into it come from the Checking B? - Should there be any bucket for the bank transfer from Checking A to Checking B? - Should there be a single savings bucket where Savings 1/2 flows go into and out of? - Which transactions should be assigned to a savings bucket? My wife and I are confused and want to be on the same page about flowing money versus actual bank transfers. Thanks, Aaron R>
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