<prompt> Human: Im trying to find a better way to save my money. Ive started doing the envelope system for food where I take out 125 each Monday and put it in my wallet and only pay cash at grocery stores and restaurants so I make sure I dont spend more then my food budget for that week.Now Im trying to find a better way to save the rest of my money instead of just having direct deposit going into my checking account and then have a large sum of money sitting there.One strategy Ive read is that others have a certain dollar amount taken from each paycheck and put into a different bank account that is there emergency fund and is a high savings account. I dont like the idea of having multiple bank accounts seems difficult to have all of those passwords and what not to remember but if thats what I have to do to get my budget under control, then I will.Does this strategy work for anyone or can anyone offer any other strategies? If so, what banks are good for this? Any ideas are greatly appreciated. Really just looking for the most efficient ways to maximize my savings and have my money work for me.EDIT- Thank you all for such wonderful suggestions and links to help me manage my money better and track my budget. I am going to be looking into opening additional savings accounts and then automate the day after each pay day to have specific dollar amounts taken from my checking account and distributed into these other accounts. Im also going to look into YNAB, Mint, and other sites to keep track of this. And Ill be looking into lastpass to keep track of all of my passwords. This truly is a wonderful sub, thank you again for all of the encouraging comments!  <response>: You will need multiple accounts - no single account has all the capabilities high interest, good ATM availability, fee free etc. etc. etc.Use lastpass keepass or other such software that can store all your passwords logins; it can be a browser add-in, or on a separate USB drive. You still need to keep that secure, but lot easier than trying to track multiple secure passwords.My employer allows splitting my paycheck into multiple direct deposits - After the planned deductions 401K, taxes and health related donations - I send the money 3 ways; one part goes to a checking account thats for recurring expenses bills credit cards groceries - the other two are two specific savings accounts, one is annual planned spend, the other emergency and long term plans. 