<prompt> Human: Ive found PF to be very helpful so I thought Id share my own methods. My credit union doesnt seem to care how many accounts I have open, so through the years Ive opened more and more. Today I have 11 accounts with aliases such as Transportation, Home Improvement, etc.Shown hereMy utility debtors Electric, Gas, Phone, Internet auto-withdraw from the Utility account; DayCare auto-withdraws from the Kids account; And everywhere else where applicable. Each payday my bank is scheduled to transfer funds from my primary checking where direct deposit goes to each account.Shown hereAfter years of doing this there have been good times and there have been great times. At one point my Transportation budget had been collecting and collecting - that was until I decided to replace the timing belt 1,000 on my trusty old car. Anticipating Budget tips: I try to anticipate everything that will come my way. For example I know the registration on my old car is 120. Therefore I schedule 10mo to come out of my primary checking and in to Transportation. Similarly I do the same for Tires, Oil Changes, Property Tax, Insurance Car, Life, Home, Amazon Prime, Local Recreation Area Parking Pass, etc.Transfer tips:In the example of 120 car registration, 10mo transfer is pretty straightforward 10 x 12months 120 per year. More recently however Ive preferred to have my funds distributed as soon as I get paid. Every two weeks a transfer would be made for 4.62. 4.62 x 26 pay periods 120.12 per yearSince ElectricCompany is going to withdraw from my Utility account monthly, and I prefer to transfer bi-weekly as soon as I get paid, I take my average monthly utility bill, multiplied by 12, divided by 26. This number is the amount I transfer bi-weekly. XXX average electric bill x 12 months26 pay periods XXX.XX transferred bi-weekly.Limitations:I hated carrying more than one debit card. Now I carry only one and then after, buying pizza for example, transfer funds from Restaurants to Primary Checking. There is a low that restricts the number of transfers tofrom a savings account per month. Had I have known I would not have opened so many savings accounts.  <response>: Brilliant! Too many accounts for me to manage, but brilliant nonetheless! 