[jack-r-abbit]

I can see how this might be useful for some people. Personally, I have my savings account on line and they allow me to just make any number of "sub accounts" that I want. So I have used that before to create sub-accounts to save for specific things. I then set up automatic transfers from my checking to that savings account. The most successful one was a "new car" fund. Once my old car was paid off, I continued to make the same payment amount to the "new car" fund. It helped me maintain my habit of making a car payment while helping me save for the down payment. Worked like a charm.