[chadcf]

This can get a little tricky though... I have two bank accounts, one which is my monthly spending and one which is my emergency fund. Because of this I transfer surplus money out of my monthly spending account so that what I have in there is just my budget, forcing me to stick to it. Unfortunately sometimes this causes me to overdraft because of a payment I forgot about (a few months ago it was eBay seller fees, first time in a year I sold something on eBay) or because some credit transactions won't show up for a day or two.

Of course this is still easy to solve by monitoring your account and knowing where you stand plus keeping a buffer. Since I like to keep my main spending account set with just my monthly budget I get around it by having a small overdraft line of credit. The 8% interest on that is a lot cheaper than the $40 overdraft fee and usually if I use it it's only because I'm over by a few dollars.