[cossatot]

What's worked best for me is putting all of my income into one account and then just giving myself a fairly low monthly 'allowance' into my personal checking account (at a different bank), from which I spend out of (including rent, student loans, etc.). It took a few iterations to get the monthly value correct so I wasn't running much of a deficit or a surplus.

But now it's good and I don't sweat the small stuff, and I can skip eating out in order to buy a new bike part or whatever. I do look quarterly-ish and see what I am actually spending on.

[mmanfrin]

I do something similar, albeit a bit leakier. I have all my money coming in to one nexus account, and then I have weekly/biweekly/monthly outflows of everything (bills, stock investments, transfers to 3x different banks, mortgage). I keep that account with a bunch of buffer, but ignore all my other accounts. Each month I keep that main account 'floating' is another month where all those other accounts are growing. If I ever dip too low, I can supplement with one of my other accounts.

It's not a great solution, but it's the one that I've stuck with best.

[cossatot]

> It's not a great solution, but it's the one that I've stuck with best.

Far and away the most important part of any such strategy...