Hey everyone! Question on how you manage concious spending plans: do you have separate checking accounts for going out, groceries, etc. if so how do you handle credit cards? Do you subtract the money for each category account when you pay a credit card bill? Seems so complex. Is there anyway to simplify (note: we are a couple with joint accounts)

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50 percent of my paycheck goes straight to savings via direct deposit. I spend the rest freely.

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Just use a tool to budget and track... Mint, Personal Capital, or YNAB

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I don’t have separate checking accounts but so try to consciously stick to a budget. I review the budget every few months and try to identify areas of lifestyle creep

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I use YNAB and yes, anything spent out of any account (credit, checking, etc) gets recorded to the appropriate category.

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Large savings item (vacations, weddings, vet bills, and car bills) I keep as sub-categories in a HYSA. Normal monthly bills all come from checking account

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