As a part of online banking, being able to spawn temporary pseudo accounts, where I could transfer, say $150 a month over 6 months to cover an upcoming one time payment of an auto premium for example. You would get the benefit of prepayment discounts and an accurate financial picture when looking at your main account. I think some semblance of this exists for certain online banks but I have enough momentum with my cu…
Account A gets all salary in. Account B is expenses. Zero Balance. Excel sheet has column for each expense, like Insurance, Phone, Internet, Car, etc. If I need to put $100 for Car, I send it to Ac B, & make an entry in Sheet with first column as Date, & Car's column as =100. When over time I spend that $100 or anything from that account, I log it as =-100. Kind of envelopes.