<prompt> Human: Starting to crawl out of debt. Student loans, done. Collections, done. Credit debt, done by the first of 2018.My question is about scheduling payments. Receiving a salary pay, I know the amount and when each check will come through. Is it a wise idea to have 2 checking accounts, one for scheduled payments and one for spending petty cash?Looking to start saving for a house soon too and was curious what I could do to raise my credit score. I have two credit cards with an average age of 18 months. Is a secured loan a viable option to help bump me up?  <response>: I did something similar to this when I was first living on my own and I had my employer automatically deposit enough to cover my bills into my bills account, some into my savings, and the rest into a cash account. It worked really well for me. If it will give you peace of mind, go for it. Since then Ive started using You Need a Budget and find that its simpler to work with fewer accounts especially since getting married and adding a joint account 