(hopefully an easy question for someone to answer...)

I'm in the process of setting up my buckets (i'm trying REALLY hard to
minimize the number per the informative article on the support site,)
and struggling with one reacquiring question:

Am I to allocate every dollar (i.e." every dollar has a job") in a
bucket somewhere? (even thinks like fees, postage,etc) =zero-based
budgeting
OR
just create buckets for area of spending (rather, overspending)
concerns. For example, all of my utilites are on a equal-pay and auto-
pay program.  Do i create a bucket for those tranactions? If it's zero-
based, I would...if it's only to help with spending, I wouldn't since
they are "fixed" and no emotional control needed.

thanks!
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